BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
XXXX is my name social security number is XXXX my complaint is that XXXX  has filed my disputes for the three negative items that are fraud I filed a federal trade commission identity theft report for the three negative items that are charged off normally XXXX will delete them in 24 hours off my credit report .and my complaint regarding equifax credit reporting agency there's only one negative item that's XXXX  XXXX please tell equifax to have that item removed due to fraud I filed a federal trade commission identity theft report with equifax too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the checking account bonus with Citi, which was to open an account, meet the minimum deposits and spending and received the XXXX XXXX XXXX miles XXXX days after completing the terms. 

I completed all the steps in XXXX and should have received the bonus in XXXX. I contacted Citi XXXX times and was told I qualified for the bonus but they did not know when I would get my miles. I was further told that I would have the miles by XX/XX/XXXX, which was significantly later than the terms, but either way I have not received the miles. I keep getting the runaround.

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 2019-03-25
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
hi I received a letter from XXXX on XX/XX/XXXX stating my loans were discharged and cancelled, then I received a letter from a collection agency on XX/XX/XXXX stating I owe XXXX dollars im exhausted dealing with them they have taken my tax return in the past 5   years.please help they are getting ready to take my refund for this year aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: IL
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:
On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, XXXX, and Experian requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks 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 2023-09-27
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I got my work check deposited into my Chime account in the amount of {$480.00}. I was planning to save my money for a car so I put {$300.00} in my Chime savings account after transferring {$100.00} to my XXXX. On that same night they closed my Savings account and my checking account. Afterwards Chime emailed me that they had agreed to close my account for going against deposit guidelines but would refund me any money I had left on the account balance. I reached out to the chime support services via phone and they said I had to send in documents ( They didn't specify what documents until a month after ) which I did. They stated that my Deposit went against their guidelines and they can't refund me my money which isn't true. I responded If Chime knew my deposit went against their guidelines why would they accept it in the first place, that's sketchy. I've been fighting for my money for over 5 months and still at step 1. I stated to my family lawyer that I was struggling financially due to Chime snatching my money and closing my account. I've even sent my check stubs as proof and they still have a hold on my funds. I've heard others having the same problem but never took it to heed until it happened to me. Now I'm in distraught and disbelief that a company would even do this to someone who was already suffering financially at that time. My lawyer advised me to report it to CFPB before going any further with a legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave Transunion permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with TRANSUNION giving them permission to furnish any information on me. Also, Pursuant to 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer 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 2023-08-10
Company: CITIBANK, N.A.
State: NC
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:
My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the one she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through XXXX Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.

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 2023-01-03
Company: Resurgent Capital Services L.P.
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:
In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. 

I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XXXX XXXX XXXX XXXX  with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. 

Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 keep getting letters and phone calls from insurance companies trying to sell me home owners insurance

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 2023-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-08-30
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, I spoke with 3 different reps at Loan Depot asking why my mortgage increased from {$1800.00} to {$2300.00}. They all told me my taxes and insurance increased. When I asked for proof of my tax increase, they said it was an estimate. My insurance did double, but it still does not constitute increasing my payments {$490.00} per month. 

The rep said an analysis was mailed to meet, but I never received anything. 

I was told that they had to " loan '' me money to pay for insurance, but that I have a positive balance in my escrow account, approximately {$2300.00} after they paid my insurance for the year. I could not understand why my taxes and insurance increased almost {$500.00}, I have a positive escrow balance and they have no idea what my 2nd installment tax bill will be. 

Loan Depot said the {$490.00} will stay in place for 12 months. That's {$5900.00} in addition to what I'm already paying into escrow for taxes and insurance. 

I requested to have my escrow removed and that I would pay in myself. I was instructed to email a wet signature request. I confirmed that I would be receiving a check for the {$2300.00} plus the escrow paid on XX/XX/2023. The rep said it would take 30 days. I emailed the request on XX/XX/2023 and loan depot acknowledged receipt. Approximately 2 weeks later, I received a letter denying my request because my XXXX must be at 65 % in order to remove escrow. Bottom line is that I'm a first time homeowner, I've been in my house for a little over a year, 14 months and my mortgage went up an additional {$490.00} based on a guessed 2nd installment tax bill. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 2023-08-10
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. 

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 XXXXXXXX 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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX and XXXX I had an influx of XXXX transfers from various users while using a XXXX party XXXX trade system called XXXX. The amounts totaled approx XXXX. Capital one has put a freeze on my acct stating that they need to do an investigation on why I am receiving so many payments. I explained that I was on a system called XXXX which uses XXXX to transfer money for credits. The rep that took my call was extremely judgmental, telling me I was a liar because one of the payments came from a users personal business. I already filed a complaint against the rep who refused to tell me his name and asked if I was being reprimanded because of something he doesnt understand. My acct is now closed with no course of action for me to ubderstabd what is happening. My bills and car note is attached, making me miss payments and affecting my credit. 

The rep also made a judgement call to terminate the banking relationship with me without even being on the call for more than XXXX total. He could see my picture and demographic details. I can tell when someone is beibg biased. 

I think its appalling that banks can freeze your money regardless of my ability to provide proof. I was told I did not need to do anything on my end which doesnt allow me to defend my actions and confirm the money was solid. CAPITAL One did not protect me as a customer by shutting away my access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: IN
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief