BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FACTS My mortgage servicer is Citizens. Due to XXXX, I have had higher household/family expenses and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX Ohio for assistance. With the help of Legal Aid, I applied for mortgage assistance through Ohio XXXX XXXX XXXX 's Homeowners Assistance Fund ( HAF ) program, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the Ohio XXXX XXXX XXXX conditionally approved her application. However, XXXX XXXX XXXX is still waiting for Citizens to complete their part of the process. In accordance with XXXX Treasury guidance, after an application is approved, XXXX XXXX XXXX uses a Secure Data Exchange to send an information record to the servicer. There should be at least one person at Citizens who has access to this secure portal and is responsible for sending back a verification record to XXXX XXXX XXXXXXXX. Once XXXXXXXX XXXX  XXXX has that record, they can process the payment and sent it to Citizens. As of today, Citizens has not sent that verification record back, leaving me in limbo. 

WHAT WE HAVE DONE I have contacted XXXX XXXX XXXX multiple times to get an update on their communication with the servicer. Most recently, XXXXXXXX XXXX XXXX emailed Citizens another record request on XX/XX/XXXX. 

I contacted Citizens on XX/XX/XXXX and was told that they had not received a record request from XXXXXXXX XXXX XXXXXXXX. The person I spoke with did not seem to understand that the records must be sent through XXXXXXXX XXXX XXXXXXXX 's secure data exchange, not through fax. 

This issue can be resolved if Citizens participates in XXXX XXXX XXXX appropriately by utilizing the Secure Data Exchange as suggested by XXXX Treasurer guidance. If they do not know how, they should call XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2022-11-03
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX XXXX XXXX I attempted to wire transfer money to a new account through my CitiBank Checking account. Upon attempting to do so, I was unable to not only add the recipient to the list, but I learned my account was STILL frozen, even after I was assured the account was to be cleared. I have called numerous times, talked to too many employees at CitiBank, and there is no resolution and I have no access to my funds.

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 2022-02-08
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TRANSWORLD SYSTEM INC/ reached out to me via mail on XX/XX/2021 about they own the debt and I needed to reach out either requesting to validate the debt or make a payment. I then received a call from said debt collector above on XX/XX/2021 and advised I was sending out a debt validation letter to validate debt requesting proof. I responded with a debt validation letter dated XX/XX/XXXX. Neither time from the letter I received on XX/XX/XXXX and call on XX/XX/2021 did the debt collection agency stated they was reporting this debt to the credit bureaus which they did on XX/XX/2021 especially since this was the first time I got communication from them. I was not given a proper time frame of validating the debt before it was reported to my credit report. This is unfair and violates my consumer rights of a proper investigation of any debt claimed to be mines. I have even reached out after the collection was reported to have them validate said debt and they did not provide any payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. They also did not provide an account statements from the original creditor or even n itemized accounting of how the total amount of debt was calculated including fees and interest. 

I even reached out to them multiple times asking for proof and they gave nothing that validated the debt to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXXXXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-11-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and Equifax ) XXXX XXXX XXXX- XX/XX/XXXX ( reporting to XXXX and Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that the same accounts on my credit report were incorrect when I reviewed my updated report in XXXX. The 3 credit bureaus require to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame. My credit report includes the following erroneous accounts that need to be investigated and updated : XXXX  XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-02-04
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: Reporting company used your report improperly

Complaint:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX provided a service at their main medical facility in XXXX, OH, on XXXX XXXX, XXXX but never sent me an invoice for the coinsurance that I owed even after 11 months had passed. Instead, I received a notice dated XXXX XXXX, XXXX from a collection company to pay the bill a few days ago. This notice was surprising and offensive to me since XXXX violated my fundamental right to receive an invoice in a timely manner, and to be treated fairly as a patient. I note that I have sent a check to the collection company to settle the bill. I have noticed that XXXX  billing department has engaged in a pattern of other unethical behavior in the past which is very concerning to me as a patient and as a citizen. These include not sending invoices for services provided in a timely manner or sending inaccurate invoices inconsistent with the insurances Explanation of Benefits ( EOB ). For example, I received a statement for a service provided at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, on XX/XX/XXXX which billed me for twice as much as what I actually owed. I asked the billing department to send me a corrected version. Instead, I received a collection notice dated XXXX XXXX, XXXX from the collection company to pay the owed amount thereby violating my fundamental right to be treated fairly. Again, I settled this bill promptly. 

On another occasion, I sent a check for {$25.00} as soon as I received a statement from XXXX  for an office visit with my doctor at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH. This amount was part of my deductible. Yet, XXXX kept sending me invoices every month although I verified from the bank that the check had been cashed by the hospital. Finally, I wrote to the XXXX, XXXX XXXX, about this matter. As a result, I learnt that someone at XXXX  had applied the {$25.00} to another office visit made at their XXXX XXXX facility in XXXX costing {$20.00} for which I have never received a bill thereby precluding me from settling the bill. In my opinion, this action by the employee ( s ) was a fraudulent act, which needs further investigation by CFPB. I have spent countless hours trying to rectify mistakes made by XXXX. Needless to say, not only are XXXX billing departments actions unfair to me as a patient, but I must now worry about whether they have damaged my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: PA
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 several times inaccurate information, XXXX XXXXXXXX XXXX has continually electronically verified erroneous information, they did not disclose to Experian that the alleged old debt from XXXX was closed by me, due to charges that were fraudulent, Experian has not sent me any of the original file that had on the debt, also Experian has not sent me anything that the former creditor had released to them, they did not follow statute of verification per federal fair credit reporting act, and continually blemish my rating with this erroneous data. 

Experian also has not removed a satisfied debt via XXXX, XXXX XXXX XXXX XXXX XXXX, that was to remove the file from my credit, per agreement we settled on ... both cases are now in a federal docket filing in court awaiting a court proceeding date. 

Experian continually leaves unverified or failed to disclose the information that former creditors allegedly sent them, they did not verify, they only accepted inaccurate file case records.

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 2023-03-28
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: 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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account 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 2023-02-22
Company: Resurgent Capital Services L.P.
State: NJ
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 WAS TRYING TO GET A CREDIT CARD AND THEY SAID I HAD COLLECTIONS. WHILE INVESTING I FOUND OUT USING THE NMLS WEBSITE THAT THE COMPANY IS NOT LICENSES TO BE A COLLECTION AGENCY IN THE STATE OF NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XXXX  XXXX XXXX late payment XXXX  XXXX XXXX late payment XXXX  XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believe that the information may be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Have reported identity theft to XXXX. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I am having a major issue with Wells Fargo. I had a balance transfer issue with Wells, where XXXX XXXX erroneously sent Wells {$5800.00}, and Wells Fargo accepted the funds and has refused to send the funds back to XXXX XXXX  or me. 
This is against the law to steal money, and refuse to return the funds to the rightful owner. 
I don't know what Wells Fargo has done with the funds, but they continue to refuse to return the balance to me, because XXXX XXXX has open a credit line of {$5800.00}, and is charging me for the outstanding balance, which Wells is holding. 
I am paying {$150.00} per month to XXXX XXXX for the balance of funds. I have made 2 payments to XXXX XXXX, and I have never had control of the funds. 
This is a major violation of the law, and Wells Fargo is impossible to deal with,

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