BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
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:
XXXX honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, XXXX the XXXX whos initiating this disputes under MY NAME. This item is UNKNOWN to XXXX. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of this item which are UNKNOWN to me : XXXX  XXXX XXXX : {$5600.00}

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 explanation
Consumer complaint received 2023-08-25
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
See attached file that demonstrates 1. I canceled a check 2. Have confirmation of cancellation via FNB 3. the bank FNB did NOT cancel the check. 4. Payment went through to the company who failed to do the job properly, job supervisor NEVER called me or emailed me back 5. FNB said it was my error that they could not stop the check 6. You can see FNB lied as there was no error in my documents-not the check amount or check number 7. So, FNB wont refund me and the company that did the business is a nightmare and I never want them in my house again. 8 FNB is an insured bank and guarantees services to their clients -- FNB betrayed me. 
CFPB and the FDIC ought to ensure that Banks honor policy. If they had pulled the check I would not have had to deal with the nightmare of the company never responding, because they took the money and ran. 

It is time for FDIC and CFPB to insist that banks honor their policies. Otherwise the very reason that the CFPB was created will occur AGAIN, there will be bank failures, and that was the reason CFPB was created to be a watchdog, resolve, prevent a second bank crisis... 

For the XXXX XXXX XXXX  ensure I get justice as it will also ensure those banks betraying people become afraid and do not continue to violate policy designed to protect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
maximus education / aidvantage is a garbage company, they refuse to switch my repayment place despite multiple attempts, each time you call them it takes over an hour to get someone on the line and then they are incompetent, give you wrong repayment information and do nothing with your requests, this company is basically a scam and there is a high likelihood they will mishandle your student loan because they are severely understaffed an not equipped to deal with borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Atlanticus Services Corporation
State: NC
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:
On XXXX XXXX an account I had with Fortiva a retail credit account for XXXX was closed by the company. My balance is XXXX with 100 percent on time payments. The company which is Fortiva said it was cancelling the contract it had with XXXX. On my credit report in the remarks it says closed by consumer ( me ) which is incorrect. This caused my credit score to decrease by XXXX points. My account was in good standing but was closed because the finance company terminated its contract with XXXX. This is caused a derogatory mark against my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am the consumer, natural person consisting of flesh and blood, I have proof that I was discriminated against by capital one. They have denied me my right to use credit. Pursuant to 15 USC 1691a. The first few lines.

Verbatim : 15 USC 1691a ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2022-12-23
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these late payments on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the late payments from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, Capital One Financial Corporation acquired ING Direct, including my existing ING XXXX XXXX savings account. This online only, high-interest savings account was renamed the Capital One 360 Savings account and had nearly identical features to the former ING account XXXX 
That changed in late XXXX when Capital One switched existing 360 account owners into a low-interest bearing account and re-branded the existing 360 Savings account as the 360 PERFORMANCE Savings account. Again, without notice, placing existing customers into a new, low-interest 360 Savings account. This lower interest rate has kept me from realizing several thousand dollars in interest. When I became aware of this situation in late XXXX, I contacted Capital One twice and spoke with supervisors. I was told both times that there was nothing they could do. 
I believe existing customers should have been placed into the more advantageous 360 PERFORMANCE Savings as a default. It is my opinion that this was an unfair and deceptive trade practice that likely affected a large number of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this alleged debt for over a few months now and there's no hard proof that I owe this alleged debt. This negative item is affecting me from purchasing a home. This is unfair that I'm being treated poorly with little information about this debt. The Credit bureaus repeatedly violate my rights and did not give me the information I requested on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2018-11-13
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank interest checking and Citi Savings account on XX/XX/18 that included a promotional bonus offer ( offer code XXXX ). The terms of the offer were : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account. 

On XX/XX/18, I deposited {$15000.00} into my Citibank accounts ( {$2000.00} in my interest checking account and {$13000.00} in my savings account ) fulfilling the first requirement. 
I maintained the {$15000.00} balance for 86 days, or until XX/XX/18, fulfilling the second requirement. 
Therefore, both requirements were met on XX/XX/18 ( 60 days after depositing the {$15000.00} ). It has now been 95 days since meeting those requirements, which is beyond Citibank 's terms. Those terms state they will pay the bonus within 90 days after all requirements are met : " you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities ''

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 monetary relief
Consumer complaint received 2023-01-25
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, TransUnion, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in 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 reseller.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Reference NY # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021 I did the COVID forbearance. I was told to call back and let them know when I can resume making payments. I contacted the mortgage company in XXXX 2021letting the mortgage company know i can resume my payments XXXX 2021. I let them know that I want to do a partial claim to handle the missed payments. Ive been making payments since XX/XX/2021 but the mortgage company liss mitigation still hasn't file for the partial claim. I've been calling the loss mitigation department since XX/XX/2021 to get this resolved and request call backs from management and I have not received any call, no email or mail communication. I found out last week that I'm in pre-foreclosure, I don't see how when my request for partial claim hasn't been made nor has it been denials. I can not get in touch with Noone to get this resolved with Crosscountry mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 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

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