BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB Complaint to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my Equifax credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5100.00} DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2200.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4900.00}. I am confident that the information being reported by Equifax Credit Bureau is inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have requested to received a relief plan as well as notice of increased expenses where I can not make the payments for the next few months and I am still received additional interest and fees that are not being waived during a time of increased cost of living. I have also sent my bank statements to reflect where my income is going -- basic necessities such as housing, car needs and groceries. I am requesting assistance on a decreased plan and for the interest to be removed during this difficulty time. This has the potential to weaken my credit and cost of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I need these hard inquries removed from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had opened a dispute and sent in multiple times supporting documents and capital one is refusing to look at the documents and has since close my dispute and sided with the company dispite my items being returned to the company and me being owed a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I'm an XXXX XXXX military member and recently discovered unauthorized inquiries and accounts on my credit report due to identity theft. I've disputed with credit agencies, but seek your expertise for a swift resolution. Your help is crucial in maintaining my financial security. 

Thank you, 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 2022-10-31
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for mortgage recasting. Lender refused it. They didn't inform and misguided me when i signed the loan documents about the loan recasting. 
I want to make big payment and recast the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
Hi, I have a Citi XXXX XXXX credit card since XXXX and it had a reward points of XXXX till XXXX XX/XX/XXXX ( as per the statement email received from the Citi bank for the account ending with XXXX ) but when I tried to check online for my rewards points, all of the points were gone. 
I connected with the Citi XXXX ( XXXX XXXX ) on XXXX XX/XX/XXXX for the same and the executive informed me that the card account has been XXXX and she is raising a request to reinstate the card and asked me to wait for XXXX business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) executive on I was informed the same that the card account has been disable and the previous request was denied, so she is raising the request again with the notes. 

On XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) someone called " XXXX '' and told him about my concern. He ( XXXX ) also said the same thing that the card account has been disable and the previous request was denied from the department, so he is raising a case this time ( Case Id : XXXX raised on XX/XX/XXXX ) and asked me to wait for 5 business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi XXXX ( XXXX XXXX ) and narrate the entire incident to the executive. She gave the same comments and then I I asked her to transfer he call to the floor manager. The floor manager ( XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX team ) informed me that the account has been inactive for the last 1 years so the rewards get forfeited and the account gets closed. 

My question before closing my account, I was not updated by the Citibank through any email or mail. How can they close my account without my consent or without informing me and forfeit my rewards points. 

So I would request your support in this matter and highly appreciated your time. 

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!

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 2023-04-10
Company: EQUIFAX, INC.
State: SD
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:
Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates 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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed due to fraud. I am currently trying to get help with my banking account. Someone is impersonating me and had already made a claim for the illegal withdrawals that they committed. The person is following my to ATMs, Casinos, and department stores. I have filed complaints using my XXXX and XXXX email accounts. Both accounts have been compromised as well. Called XXXX, XXXX. Called XXXX, XXXX, XX/XX/XXXX. Ive been to the bank XX/XX/XXXX, and filed a report claim with the XXXX XXXX XXXX police department, report number XXXX and XXXX. I am also mailing the fraud reports to Bank of America and 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 monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please help me to validate the misreporting on my credit report and update my credit score and accounts found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2015-12-19
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient, XXXX XXXX and XXXX were all harassing me while making the minimal payment. I found a company that said they could consolidate my debt and after paying them off I would be in the clear. I paid off the consolidation company back in 2017 and I am still receiving correspondence claiming that I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Professional Receivable Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Call Professional Receivable Solutions LLC about a letter received trying to obtain {$570.00} for a music equipment that was turned in to a school district 5 years ago. They were extremely rude and would not verify and validate the music equipment was turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Dear Sir/Madam, I, XXXX XXXX , am writing to file a complaint against TransUnion, one of the three major credit bureaus in the United States . As a natural person and a consumer, I am requesting immediate action be taken by TransUnion regarding inaccurate information reported on my XXXX credit card account, account number # XXXX. This has grossly affected me, pushing me closer to filing for bankruptcy for my business, as I am unable to receive funding to help my business grow in these troubled times. 

On [ date ], I requested that my XXXX credit card account be deleted from my credit report. However, TransUnion continued to report inaccurate information about the account, with the last report date being XX/XX/2023, which has had a significant negative impact on my credit score. 

Despite repeated attempts to dispute the inaccurate information with TransUnion, the account has not been deleted from my credit report. This has caused me significant frustration and financial harm, as the inaccurate reporting has prevented me from accessing credit and loans that I otherwise would have qualified for. 

I am requesting that TransUnion immediately delete the inaccurate information related to my XXXX credit card account, account number # XXXX, from my credit report. Failure to remove this inaccurate information promptly will result in me taking severe action, including pursuing a federal lawsuit against TransUnion. 

I urge TransUnion to investigate the procedures and practices that led to the inaccurate reporting and take appropriate steps to ensure that similar errors do not occur in the future. 

Please find attached copies of relevant documentation supporting my complaint. I appreciate your prompt attention to this matter. 

Sincerely,

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 2022-10-31
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today XX/XX/2022 I was contacted via text from XXXX XXXX XXXX. They said they were reaching out in regards to a collection with no information about the collection with a reference number, and then provided a different number to call regarding the collection that phone number is XXXX XXXX. Theyre referring to the reference number of XXXX. 
I have no knowledge of this collection reference number or account they are referring too. They also provide a website at fncbinc.com. At this time I believe this is a fraud collector, and would like to report this organization. They also misspelled my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX Equifax removed an account ( XXXX XXXX  ) when Equifax discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by Equifax and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by Equifax that my account had been updated to a charge off account. This caused my score to drop XXXX. The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and Equifax deleted at first. Equifax is not re reporting inaccurate details. XXXX is reporting incorrect information.

Company response to consumer: Closed with explanation