BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 creditbureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorizedto fail to validate this reporting account as unverified information without providing any proof within the periodallowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listedon my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
XX/XX/23 a letter of dispute was sent to experian because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: VA
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 submitted this complaint to REMOVE this suspicious account. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX 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 2022-09-13
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
They had it as I was staying their on campus and I never did. I lived in XXXX XXXX  until XXXX and then moved to XXXX  in XXXX also, XXXX just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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:
Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have already filed two complaints against this company. First, my account was unexpectedly restricted due to my filing my first complaint against the bank. I was told that my account was due to be closed upon calling but I was unable to have access to my funds until the account was closed. I still havent received any written notice of the account closure. I am XXXX and have a direct deposit from the Social Security Administration due this coming Wednesday. I did try to change my direct deposit information but it was too late to change for this pay period. I can not pick up necessary medication I need to live. I do not have money to purchase food. Within a half hour of filing my complaint nearly 48 hours ago, I received a phone call from a woman named XXXX XXXX in the executive office who empathized with my plight and promised to work on my behalf to get the restriction limited. As of today, the restriction has not been lifted and checks written on the account are being returned. I am at my wits end. Please help once more from letting this company discriminate against a XXXX woman who literally could die due to this companys actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had a XXXX Line of Credit from Bank of America ( BOA ) that was in excellent standing since 2010. My monthly bill was between {$200.00} - {$400.00} /per month. 
I have ( 4 ) complaints as outlined 1. Out of nowhere BOA sold my account to XXXX XXXX ( XXXX ) who raised my payment over 400 % in ( 6 ) months. 

2. I called and setup auto payment up to {$500.00} /per month, yet they withdrew {$750.00}, then {$1100.00} without notice or permission.

3. New requirements were asked of me to included certain additional insurance coverages that was NEVER required from the inception of the loan.

4. Before the sale of my loan BOA changed the terms of the loan over the phone that has adversely affected my ability to get a flat verses variable rate for NO reason. 

I only owe XXXX on a house worth XXXX .... yet these folks are forcing me out of my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent money to the wrong account from My Bank of America account to an account in XXXXXXXX XXXX XXXX XXXX. I contacted Bank of America within 2 days and found out that the account number was wrong and asked the representative to cancel the transaction. I asked multiple times and she said it will be canceled. 
I sent another transaction to the right account number and it went through. I found out the next week that my first transaction went through. 
I called XXXX XXXX XXXX  XXXX immediately and found out that the account belongs to transferwise. I contacted them and they emailed me back stating unless XXXX Bank contacts them they can not help from their end. 
I have asked Bank of America to get in touch with them, and XXXX Bank did not respond. I called them and a representative told me that they need to email them. I shared this with BofA and they stated they emailed them and had not gotten a response. I emailed them last week and still have not gotten any response. 
How can they keep this money when it clearly was not theirs to keep? 
I have exhausted all options at this point and want my money back in the amount of {$3200.00}. 
I have been on the phone with Bank of America for at-least XXXX times with an average of XXXX hour wait time. 
I am appalled that the transaction went through even though the account did not belong to the receiver and clearly the name was wrong on the account.

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 2021-11-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was made false promises by the XXXX  XXXX XXXX, was never able to advance my career with degree I received, and the university was found guilty of defrauding students like me. 

The university made all the arrangements for my loans to pay for school, and after I graduated I ended having to defer my loans for several years because I could not make the payments. 

My federal loans were arranged through Navient, and Navient sent me advertisements to consolidate my loans under the pretense that it would save me money and reduce my payments. 

Shortly after I agreed to the consolidation, I found out that the over $ XXXX in loans from XXXX  XXXX XXXX were eligible for forgiveness because the school had been found guilty of fraud. 

When I applied for the debt to be discharged, I was told that I was not eligible because the solicited consolidation from Navient had changed the status of my loan from federal to private. 

I do not believe that this was a coincidence. I feel it was a predatory lending practice done to disqualify me from debt forgiveness. 

I was never directly informed that my loans would no longer be federal loans and that I would no longer be eligible for the protections associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Amerinat was the servicer of my 2nd mortgage that was paid in full on XX/XX/XXXX through an escrow with XXXX XXXX XXXX XXXX. Amerinat collected all the fees and amounts due to them and demanded from them on that day but waited untill the Spring of XX/XX/XXXX to contact the County of XXXX to release their lien without success. They have not released the lien on my property even after the close of escrow but instead are demanding for more money from me. Please help me to resolve this matter and have them release the lien on my property. Thanks.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several requests 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 items : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-09-13
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
have sent official bank closure letter signed dated and with identification all provided. My attorney looked over it before it was sent. 

Optum bank has refused to close my XXXX account and mail me a check for my balance as indicated. It has been no less than 3 calendar months of attempts to get resolution, but still nothing. 

Please help me get my money! Shadiest financial institution I have ever encountered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX and the Citibank , N.A . denied my credit card application. 
I have filed a prior complaint with CFPB for this issue and I have uploaded all supporting documents to CFPB on XX/XX/2023. 
My CFPB complaint ID # for the previous filing is XXXX. 

I am resubmitting the same complaint second time because I have just discovered yesterday, on XX/XX/2023 from news that Citibank has been denying credit card applications for XXXX. I am XXXX  and my last name ends with " XXXX ''. Because I am XXXX  descent I have been purposefully singled out and discriminated by Citibank. I have been intentionally denied for credit based on false and fabricated reason and Citibank accusing me that I have bankruptcy filing in my XXXX credit report. Such allegations are false and lies, because my XXXX credit report does not have any bankruptcy information and I have never filed bankruptcy in my life. 

Although CFPB has taken action against Citibank and the lawsuit is settled, I see that Citibank is still continuing on discriminating against XXXX  applicants. I request from CFPB to further take legal action against Citibank because of the fact that Citibank is still practicing discrimination against XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 and XX/XX/2021, XXXX XXXX said I missed two payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed four of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.

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