BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2018-05-16
Company: SYNCHRONY FINANCIAL
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 have 16 hard inquiries when I only had three cedit cards non eof these were approved by 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 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In mid-to-late XXXX I received a letter ( see attached ) in the mail from Midland Credit Management stating that I owed {$4200.00}. I was surprised to receive this letter because I had recently thoroughly reviewed my credit report and did not see their outstanding claim. At first, I didn't believe it because my credit score is XXXX. Shortly after receiving this letter I received a summons ( see attached ) to appear in court ( XX/XX/XXXX ) related to this matter. Shortly after receiving the summons I contacted Midland Funding Management to " Resolve Your Legal Collections Account '', and to " avoid any further legal action '' ( see attached letter ). These 2 statements are printed boldly on the attached correspondence. I am a nurse at XXXX XXXX XXXX and Human Resources monitors these things so that I thought it best just to put it behind me. I went online XX/XX/XXXX at www.midlandcredit.com to set up a payment plan ( see attached ). The first payment was made XX/XX/XXXX. 
After entering into the agreement and making a payment I received nothing in writing. I called an account manager at Midland Credit 2 weeks ago concerning the issue of no documentation regarding our settlement. He said that a letter was being sent out that day. I have not received any correspondence in the mail or e-mail as of XX/XX/XXXX, with my court date looming in just a few days. He also said that Midland credit was not going to withdraw it's lawsuit and that they would still press for a judgment. I asked him how I had gained anything at all if they were going to continue to pursue legal action. He said that they would hold off on wage garnishment and additional legal action. 
My complaint is that Midland Funding uses deceptive credit collection techniques to collect the debt. There is no doubt that any reasonable person would think that they are putting a legal matter behind them by entering into a settlement agreement with them. And furthermore, they knowingly delay getting you any correspondence ( mail or e-mail ) in writing before your court date so that they can lull you into thinking that your legal matter has been settled. And then when you don't show up to your court date they can get their judgment uncontested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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 2020-02-04
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX  and Experian are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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 2022-05-26
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: Information belongs to someone else

Complaint:
I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and Transunion received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. Transunion said they did not received my request when I called them. XXXX received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.

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 2018-08-13
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am confused about a complaint, I filed with CFPB in XX/XX/XXXX. This complaint was never resolved, no correcting respond from CitiMortgage, Inc. and no follow-up from CFPB, although there was several violations by this mortgage company, when they continued with a foreclosure that simply violated all CFPB protection ruling in XX/XX/XXXX. I contacted the right authorities, but I did not receive a follow-up on the situation, no kind of investigations into the matter, as to what was done to correct it, I am baffled, because in your release in XX/XX/XXXX, the rules were clearly stated and released to mortgage servicers, but they still continued with their foreclosure practices. Those practices is mistreatment to struggling borrowers. I have not heard from CitiMortgage since XX/XX/XXXX my last response from someone associated with CitiMortgage, under your ruling my foreclosure should have been halted on several reasons. I am also requesting my mortgage file documents from XXXX, XXXX,XXXX,XXXX and XXXX. But, the foreclosure attorney for CitiMortgage continues to harass and send threating letters to vacate notices and now CitiMortgage is trying to sue me, to have me ejected. CitiMortgage, Inc. has violated all CFPB rules. I am currently in Bankruptcy. CitiMortgage canceled the homeowner 's insurance without any notification. This is so unfair to any homeowner. When will I be able to get some reimbursement funds from CitiMortgage, from the XXXX XXXX dollars, that was fined by CFPB?

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 2023-10-13
Company: EQUIFAX, INC.
State: ND
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
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:
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. 

Account XXXX : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-01-17
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 XXXX, XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request, XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames XXXX XXXX XXXX XXXX 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-01-17
Company: EQUIFAX, 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:
XXXX XXXX, XXXX XXXX PA, XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX HavXXXX written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: OneMain Finance Corporation
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:
Im not sure why this hard inquiry is on my report. I never requested this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, TransUnion, and XXXX. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with TransUnion and XXXX are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX, NJ ).

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 2020-02-04
Company: KEYCORP
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While all of my other private lenders allowed for a 3 to  6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, KEY Bank has refused to assist me during this exorbitantly difficult time, and have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Office of the Chairman in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - most recently today, XX/XX/XXXX. 

In dealing with KEY Bank, I have spoken to XXXX XXXX in Loss Mitigation, whom promised me resolution one week ago, with no call back or contact since we last spoke. Additionally, I have left over 10 messages for the Loss Mitigation department to call me for assistance, all of which have gone ignored. I have been outright neglect by KEY Bank, misled on multiple occasions after another representative in Loss Mitigation had stated he would get me an exception to policy and honor a 3 month forbearance for this FEMA declared Emergency, and been refused contact from KEY Bank 's executive management after being told on multiple recorded and logged calls that someone would reach out to me " within 24 hours ''. KEY Bank has caused me extreme mental and emotional distress during this very difficult time after experiencing a disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with KEY Bank 's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect and refusal to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account in late XX/XX/2023 for unknown reasons and failed to mail a check for the balance of {$990.00} nor my XXXX social security payment of {$850.00} that was deposited into the supposedly closed account per the Treasury department. I'm still receiving emails for my account statements, which makes no sense as Citi indicated that the account would be closed within 60 days and a check would be mailed. It still has not been mailed as of 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