BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 2021-07-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have a Home Depot credit card issued through Citibank. It has a XXXX balance. 

On XX/XX/21, {$3000.00} was accidently transferred via our bank 's bill pay system to the Citibank/Home Depot card.

Currently, we have a {$3000.00} credit on the account.

Citibank/Home Depot is refusing to return the funds in any format. They refuse to transfer the funds back to the account from which they came, to the account linked to the credit card, or to issue a paper check.

Because one spouse is listed first on the bank account ( although it is a jointly held account ) and another spouse is the primary user of the credit card, Citibank/Home Depot claims they can not return they funds. Both spouses share a mailing address.

Citibank/Home Depot has been provided with copies of routing information regarding the transaction and joint ownership verification of the checking account. 

The loss of access to these funds is a hardship for us. A satisfactory resolution would be the return of the funds in any way -- to either or both spouses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-07-20
Company: Asset Management Outsourcing, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XXXX XXXX i got in contact with Experian wrote a dispute DEMANDING Experian to REMOVE 2 collection of : XXXX XXXX  and XXXX XXXX  of my account that are being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX and they REMOVED them instantly ..Experian has violated my constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains

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 2018-12-27
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2018 at XXXX XXXX I received a {$100.00} gift card from XXXX XXXX XXXX, XXXX Florida as a thank you for visiting and learning about their time share plans. I was told to activate the gift card which is from US Bank and the funds would be available immediately. I called and actived the card around XXXX XXXX that same day. I was told there was a XXXX  balance because there was a {$100.00} transaction at XXXX XXXX   on this gift card ( before I even received and activated the card ). Went to the XXXX XXXX XXXX office and they called US Bank and was told that US Bank was updating their system and give it 2-3 hours. I gave them over 12 hours and called US Bank back at XXXX XXXX  on XX/XX/2018 and was told there is no funds available. They show the {$100.00} added to the card and now no transactions. Now US Bank is saying we have to wait 3-5 business days to get this resolved. Per US Bank I am not the only one calling and complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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 have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, XXXX  XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  , and company continues to report the information now. 

XXXX  Credit Bureau Reports Lanier Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXXXXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Convergent Resources, Inc.
State: IL
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices

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 2022-11-25
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.

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 2023-10-25
Company: EQUIFAX, INC.
State: NC
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:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing the following accounts : 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  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father who is in his XXXX wanted to close several smaller accounts at various banks and consolidate them at what was his XXXX XXXX account. I do have power of attorney on the account at XXXX XXXX We had him endorse a final check from XXXX XXXX in the amount {$34000.00} and endorsed it on the back as payable to XXXX XXXX and listed the account number. We did the same with a similar final check from XXXX XXXXXXXX XXXX. We put it in a US Post Office Box and addressed it to XXXX XXXX with a deposit slip for both checks. Neither check arrived at XXXX XXXX. Both XXXX and XXXX XXXX were contacted and provided tracing numbers. The police were contacted who advised filing a report with the US Postal Office which was submitted. The checks were eventually retrieved showing that an unknown party had signed underneath the account number and wrongfully submitted the forged check as their own. XXXX XXXX promptly refunded the money to my father. XXXX advised that they were contacting Wells Fargo where the funds were deposited. After nearly a year they explained that Wells Fargo was wrongfully denying liability because the check had originally been signed above and endorsed to XXXX XXXX. Wells Fargo was refusing to communicate or answer any queries whatsoever regarding the matter further. I am an XXXX in California. I have contacted an attorney who specializes in such banking cases. He agrees that Wells Fargo is deliberately delaying in hopes that their wrongful behavior will not be pursued. The matter deserves to be publicized and punitive fines are in order for this despicable conduct. We are exploring a class action lawsuit attempting to locate other consumers who have been treated similarly by this established pattern of behavior.

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 2023-07-16
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My issue is with them with holding my official transcripts. 
My account has already gone to collections. 
I owed XXXX personally on top of my student loads and they are with holding my offical transcript from XXXX. 

I paid up until XXXX and I can't afford to pay any longer. 

I know that a law XXXX XXXX and won. 
I just want my transcripts and my student loans reduced. 

I asked for reduction twice in XXXX and was told I could no longer have XXXX by the finacial aid department. I don't have names or phone numbers anymore and I'm no long able to access my email account with XXXX even though we were told as XXXX 's that we would still have access. We I tried contacting IT back in XXXX I was told they could no longer XXXX me access to my account even though I was an XXXX. 

That is not what was told to me by counceler when I tried to contact them they were fired. 

Again I just want my transcripts and a reduction of student loan fees. 

Its bad enough that I have NOW been defrauded by XXXX colleges, XXXX, XXXX XXXX and Now XXXX. My loans should be wiped but its NOT. 

Only XXXX college was ligit and that was XXXX XXXX XXXX. 

That really is a shame but then again I'm XXXX and the SCOUTS no longer care about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIZENS FINANCIAL GROUP, 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 have submitted a complaint against Citizens One Home Loans for improper management of my Mortgage Account and my Mortgage Balance that is paid on time all the time. Now Citizens One is messing with our excellent Credit History on both my wife 's credit report and my excellent credit reports. Citizen One Home Loans is saying I am late with my Mortgage Payment. In close to 30 years of owning a mortgage I have never ever been treated like this by a mortgage company. They are now affecting our lively hoods with their false statements and lies. I have a bank history of payments that are paid religiously on time, every time the mortgage payment is due. Now Citizens One Home Loans has improperly lied and reported my wife and myself for their own accounting issues and their mistakes which is costing me time & money. 

I have reported them to you for their unfair documentation and their false monthly statements. I can prove to you with my banks history of my payments that I do not owe anything past due. I need your help to hold Citizens One accountable for their accounting mistakes and their false statements. I can't afford an attorney right now to sue them for damages as this is my work slow season right now. I have a bank payment history to prove they are the liable party here. Please help me save my wife 's and my our excellent credit history from being destroyed by this horrible mortgage lending company. Please " Do Not '' let them get away with their bad customer service and their illegal accounting practices. They need to be held accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-16
Company: Self Financial Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name Selfinc/Lend Account # XXXX Loan # XXXX ) has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation