BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
I have NOT received any FACTUAL information or an AFFIDAVIT OF FACTS on how you verified the erroneous information of the alleged account attached in Exhibit C. Therefore, I request you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court as evidence of my trying to rectify the subterfuge that you are reporting. XXXX ( copied from Affidavit of Truth ) XXXX TransUnion has acted unethical. Though TransUnion reported to the CFPB on XX/XX/2022 that it was in progress with complying with the affidavit in which TransUnion received via certified mail on XX/XX/2022, TransUnion has not complied with the affidavit as of XX/XX/2022. TransUnion mailed me a letter on XX/XX/2022 and again on XX/XX/2022, stating that its company had completed its investigation reflecting the erroneous alleged account as accurate and the subterfuge as still reporting on my consumer report. Though TransUnion reported to the CFPB on XX/XX/2022 that its company 's investigation resulted in TransUnion deleting the erroneous alleged account from my consumer report, TransUnion has NOT deleted the erroneous alleged account as XX/XX/2022.

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 2021-03-18
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to closeout my XXXX account with Citibank online since XX/XX/XXXX. I have called them around 8 times and most often they say they need to transfer me to another department and then I either sit on the phone for an extended period of time and get disconnected or no answers at all. On a few occasions I have gotten through to them and they say they will close the account but they don't. This account has less than a {$100.00} in it.

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 2021-03-18
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent a wire transfer for {$10000.00} from Citi Bank to XXXXXXXX XXXXXXXX in XXXX. While the money was deducted from my account the beneficiary has not received the funds as of XX/XX/XXXX. I have called the Citi wire department numerous times yet Citi has not provided me any information about the lost funds and refuses to refund me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Apt XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX Please investigate and remove XXXX from my 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
I have been disputing in accurate information. with Experian, XXXX and instead of removing the inaccurate information they have been removing inaccurate information and replacing information..

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 2021-03-18
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: Personal information incorrect

Complaint:
There a major data issues with this vendor. They show my Daughters name on my file as per XXXX XXXXXXXX posting and it can not be rempved. Disputes go unanswered and my credit file remains a disaster incorrect and wrong and you sit there filing paperwork WOW

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 2018-10-16
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Principal payment only I have incidents with caliber home loans twice within the last 3 months. 
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly. 

The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I  called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber. 
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money. 
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Navy Federal Credit Union for the recent closure of my credit card account ending in XXXX without valid justification. This action on their part not only contradicts the principles of the Equal Credit Opportunity Act ( ECOA ) but also raises concerns about their adherence to fair lending practices. 

On XXXX, I received a notification from Navy Federal Credit Union informing me that my credit card account was being closed due to reasons that were not specified in the communication. This sudden and unexplained closure has left me in a state of distress and confusion, as I have consistently maintained a good credit history and have never missed any payments or exceeded my credit limit. The decision to close my account appears to be based on arbitrary factors rather than my ability to pay. 

The Equal Credit Opportunity Act clearly prohibits lenders from discriminating against applicants based on their race, XXXX, religion, national origin, XXXX, marital status, age, or receipt of public assistance. Furthermore, the ECOA prohibits lenders from denying credit solely on the basis of an applicant 's ability to repay. Given that my credit history and financial responsibility demonstrate my ability to manage credit, it is deeply troubling that Navy Federal Credit Union would resort to such a decision without any apparent valid cause. 

I believe that Navy Federal Credit Union 's actions violate the principles of the ECOA and raise questions about their commitment to equal credit access. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Navy Federal Credit Union provides a valid and non-discriminatory reason for the closure of my credit card account. I also request that any necessary corrective actions be taken to rectify this situation and prevent such occurrences in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: MD
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-04-07
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: Information belongs to someone else

Complaint:
I have attached an FTC report with accounts and collections that are fraudulent

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 2023-07-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft with XXXX XXXX in XX/XX/XXXX. I contacted the XXXX XXXX fraud department immediately and notified them. In XX/XX/XXXX, I contacted XXXX.The charges were taken off my credit report. 
In XX/XX/XXXX, I received notices from Jefferson Capital Systems LLC, stating they overseeing the XXXX account and now there is a charge of {$4300.00} on my credit report. 
On XX/XX/XXXX, I wrote XXXX to dispute the claim. On XX/XX/XXXX, XXXX said that their investigation concluded that the charges were accurate. I take exception to that ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-02-28
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from a company ( AFNI ) of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In late XX/XX/XXXX, I made an additional purchase of XXXX time share ownership. To facilitate this transaction my consumer credit was adequate enough to secure a Vacation Club Credit Account with Comenity Capital Bank. This was a promotional 6 month plan whereby all borrowed funds had to be repaid in full by a certain termination date to avoid paying accrued interest. That date was promoted by the bank as XX/XX/XXXX. 

The loan in total was a little over {$15000.00}. By mid XX/XX/XXXX I had repaid all but {$5000.00}, in five monthly payments. With the holidays, my secretary, who attends to all my financial matters, asked off for XXXX XXXX. When she returned to work Friday, XX/XX/XXXX, she wrote out a check to Comenity- Vacation Club Credit for the remaining balance in full, and mailed it that evening from a local post office. That post office assured me that the envelope would have been postmarked XX/XX/XXXX, or XX/XX/XXXX at the latest. Apparently, the envelope arrived at Comenity Capital Bank 's processing center after XX/XX/XXXX, and not processed until XX/XX/XXXX. We also have a national holiday, XXXX XXXX XXXX XXXX, in the mix. So because the check was processed XX/XX/XXXX the bank says I now owe all accrued interest of {$1200.00} plus a {$27.00} late fee equaling a total of {$1200.00}. 

I've read the bank 's vacation club credit account agreement forward and backwards, upside down and inside out. Nowhere can I find what definition constitutes a payment due date, just some arbitrary wording that, in the credit card industry, it is apparently understood that the processing of funds by the bank itself equates to the payment date. 
If I file a Federal tax return, with a check in the amount I owe the federal government, the date of the return is determined by the postmark on the envelope, not by the Internal Revenue Service processing date. If I mail the return days or weeks after XX/XX/XXXX, and don't ask for an extension, I can expect to pay penalties plus interest. 

However, if a check is written prior to the termination date and the envelope is postmarked prior to the termination date, I don't expect to pay accrued interest plus a late penalty to a bank. XXXX, the Comenity Capital Bank company representative did not agree, and therefore did not rescind the charges. If my local bank treated me that way I would withdraw all funds and find another local bank. But large anonymous institutions can get away with it, because they know the individual borrower has no leverage. I'm hoping you the Consumer Financial Protection Bureau, a branch of the U. S. federal  government, can level the playing field.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-08-31
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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