BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: WI
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 stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get 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 explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, XXXX My wallet was stolen and the would-be thief attempted to withdraw funds from my XXXX XXXX  account with my stolen ID. The XXXX XXXX  cashier placed a hold on my account and notified me of the attempt. I reported the theft to the XXXX police department. 

XX/XX/XXXX - I placed additional holds on the rest of my XXXX XXXX  accounts to ensure the thief would not be able to transfer funds if he attempted again. 

XX/XX/XXXX? - After no activity for several weeks, I requested the branch remove any holds from my account so I can transfer funds to my Citibank account. 

XX/XX/XXXX - I initiate a transfer for XXXX from my XXXX XXXX  account to Citibank Savings account but the transfer is reversed. XXXX XXXX  branch did not remove all the holds from my account, so the transfer was not completed. I also initiated a transfer out of my Citi account for XXXX to XXXX which was completed. Even after the XXXX XXXXXXXX left my account, I still had a balance in Citi of XXXX XXXX. 

I then removed the remainder of the holds on my XXXX XXXX  accounts and tried to reinitiate my transfer. That is when I noticed my account was restricted with Citi and was notified to contact the fraud department. I contacted them and was told my account was closed and they also needed to verify my identity with a code and that I had to wait for a notice in the mail with a reference number to confirm my identity. I called them later when I didn't receive the notice and they sent one again. I then received one dated XX/XX/XXXX and then several days later I also received the first one that was sent in XXXX. Several more calls yielded no results whatsoever except that I could no longer view my online account whatsoever and that my account was closed for a reason that they wouldn't disclose and a check would be sent. They gave no indication of when the funds would be sent or why the account was closed. 

XX/XX/XXXX I contacted Citis XXXX XXXX XXXX and was told a file had been opened. I was given two agents names that would contact me by the end of XX/XX/XXXX. One agent was for my credit card and one for my savings account. Neither agent has contacted me though I did receive an email with my case numbers. I emailed the XXXX on XX/XX/XXXX and have not received a response. 

To date I have no visibility or access to my account. No timeline for when the funds will be returned and no indication if my credit card account would be closed. It is unethical for Citi to withhold my funds and this information from me. Why should I have to waste hours on the phone or gathering information to be returned my money?

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 2023-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$430.00} USD on XX/XX/ by XXXX XXXX company for a tow I did not request. I was a member of the residence and my property was towed at my residence. 
The charge was made on my USAA XXXX XXXX credit card and they rejected my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
When I did a home loan modification in   XXXX   at least 25 years was added to the length of my 30 year mortgage with an  XXXX  dollar balloon payment at the end.I feel like this is too much, I have lived in my home for 21 years and now I still have  XXXX  more years to go with a balloon payment.I feel like I have a double mortgage.

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 2022-10-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-05-13
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My due dates are on  XXXX  of each month with a bank draft. The lending club in different occasions sent the payment on  XXXX  of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 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 an 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 explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.

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 2022-07-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a deposit from the IRS in the amount of XXXX XXXX and XXXX XXXX and XXXX XXXX  On XXXXXXXX XXXX I received a deposit of XXXX XXXXXXXX XXXX and XXXX dollars. Then, I tried to Use the Money that was mine by re-opening up a checking account through them, which they then told Me that they could not do Since they had closed one before. fine, that's their decision. So, I decided to withdraw the money into an external bank. The original bank that was connected to the account had been closed. So, I decided to link another bank account. I was not able to do it through a glitch ( or so they say, through research most people can't. ) so I contacted customer service and they could not figure it out. I should be able to do this! this is my money we are talking about! 
I went and Tried to do it through the XXXX XXXX app The bank that I was trying to transfer into. I did it that way that was successful! Or so I thought. the money was then taken out then reversed back into the credit karma account. first I contacted XXXX XXXX customer support and everything has been good on their side every time I call. So then I contacted the customer service representative and told them that that wasn't working and they tried to give Me all these other ideas. 
That did not work. 
So finally one of the customer service representatives that I talked to probably the fifth or sixth one decided that they Would be would uh send it to a higher-up department, He then sent it out to them. He said that they would respond within twenty-four to forty-eight hours. 
They still have not gotten back to me it has been passed that timeframe. First, I tried to call the number and get ahold of this so-called team but I was unsuccessful. I tried to get the money out through a paper check today, and he said he can not do that because the reversals have not yet been finalized and that when he does send me the check it's gon na take seven to ten more business days to get that out, which is you know, I have bills to pay things that are past due. This money should have been available to me quicker than it is now! 
I tried to get all the reference numbers but they will only send me one at a time an they are all different. 
Thank you. 
Credit Karma XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved mail addressed to my maiden name, XXXX XXXX, claiming to be from Phoenix Financial Services, a debt collector. It said I had an account with XXXX XXXX XXXX XXXX and I owed XXXX. It said XXXX XXXX XXXX XXXX is my current creditor and my original creditor is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XX/XX/2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from 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 2023-07-28
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX of XXXX, Discover Credit Card put me liable in my credit report for a credit card bill that i did not even open with them. I reported this to Discover since last year in XX/XX/XXXX. I came to find out about from a fraudulent withdrawal that i did not authorize in XXXX XXXX XXXX that a credit card was opened under my name. I spoke to Discover and they want me to file a Police Report, and get letter from XXXX XXXX XXXX stating that i did not have anything to do with the credit card fraud, and the Bank letters completely state that the transaction was refunded to me because i did not authorize anything to be done under my name. Thinking that they would take care of the credit card fraud, and instead i have to do so many steps to get it resolved. My credit was damaged because a credit card was opened under my name, and transactions started to happen last year in XX/XX/XXXX. Discover is billing me for {$860.00} for an amount that I did not even do. My previous Bank, XXXX XXXX XXXX disputed a withdrawal of {$700.00} and refunded me the money because they found the dispute in my favor. I never authorized anyone to use my information to open up a credit card under my name or even do Banking transactions. I never had a credit card with anyone, or never opened one up myself. I need help because Discover Credit Card put me as liable in the Credit Bureau, and i am a victim of fraud, and the transactions that point to different places in Florida are not mine, and I did not visit those places in those dates, and I know for a fact that those dates i was working full time. As well, i found out that two accounts were opened fraudulently with XXXX XXXX and they completed their investigation and found the case in my favor. I am just starting to fix my credit, because this is crazy to find out there was something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CORELOGIC INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint, XXXX  and XXXX On XX/XX/2022 CoreLogic claimed that the payment for my summer taxes was facilitated by CoreLogic from my active escrow account with XXXX and the refund was sent to XXXX which was deposited back to the customers ( mine ) escrow account on XX/XX/2022. 
I demand explanations from CoreLogic how these money came from my alleged escrow account to CoreLogic to make payments for my taxes and the name of an individual employee and the Compnay who authorized this disbursement. 
I demand CoreLogic to identify the source of their information that this refund check was deposited on my escrow account and how CoreLogic know about it. I demand the name of an individual employee at CoreLogic who can confirm that this refund was deposited on my escrow account. 
What agreement sets forth the duties of the escrow agent, here : CoreLogic? 
I demand a copy of the Agreement where CoreLogic is authorized to make payments for my property taxes. How does money get into the escrow account? how does money get out of the escrow account? on whose instructions or funds distributed from the escrow account? 

According to XX/XX/2022 letter from XXXX, my summer taxes were paid by XXXX ( not by CoreLogic ) and my city issued a refund to XXXX. See attached. 
In reality, the city issued a refund to CoreLogic who made it payable to XXXX XXXX bank. 
I demand explanations why XXXX CoreLogic paid this refund check to XXXX XXXX bank if CoreLogic claimed it was sent to 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