BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : 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 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2021-08-27
Company: FIRST MIDWEST BANCORP, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 we contacted another financial institution about a HELOC. In gathering the documents needed to obtain this, we discovered our XXXX XXXX XXXX policy was cancelled XX/XX/2021. I contacted First Midwest Bank, our loan holder about this. They stated it was paid but since they " are a new servicer '' they did not have a closing disclosure. They required the loan XX/XX/2021 and were told it was already paid. The insurance and taxes are part of our escrow account. We had to pay out of pocket {$1800.00} to insure the house but our escrow continues to gather {$1600.00} to pay out the insurance policy. We have been literally robbed by this bank for the second time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 )

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 2023-08-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and I have been with citi bank for 3 years and they closed my account on XX/XX/14. They said it was fraudulent activity on my account but they are not being specific about it. They sent me a letter saying it will take up to 30-60 days for me to receive the funds that I had in my account. The funds I had were for me to pay my car. Now I lost my car and I am about to loose my job. I am a single mother and I have no help with transportation. Citi bank stated that they are a trustworthy bank. They failed and they are holding my funds. 30-60 days I will have been lost my apartment. I am about to loose my job. Citi bank can not be trusted. How can any company hold money that is yours without a detailed explanation. I need help on getting my funds asap. And I want to sue Citi bank on failure and lack Of communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 I've been a victim of Identity theft for years and I am devastated. I have lupus so it force me to stop working early and try to do everything to keep living. As far keeping physically heath in order, eating better and try to get plenty of rest. So I completely took my focus on my credit report. Now I'm getting a little better but still suffering from XXXX  I am focusing on trying to by a Home for me and my grand kids. I look at my credit was very upset I even cried to see so many fraudulent activities on my report. I contacted the all the creditors about the issue. Happily told me all accounts on my report are closed but I had to make FTC report and contact the bureaus so I am here. Praying that someone can help me remove all these false items on my 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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE ATTORNY GENERAL FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts where I have consistently maintained a timely payment record, yet they are being reported as late.

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 2021-08-27
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
ON XX/XX/2021, I received a notification from my credit monitoring service the Citibank inserted an negative account in the amount of {$4200.00}, on my XXXX  credit report without any prior notification. 

I immediately reached out to Citibank for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe Citibank, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB Citibank intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and Citibank held accountable for the aggress act.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
I have had a free Experian online account for many years. For over a year now, I have been unable to login into my account. My birthdate and social security number are required to get access to resetting passwords and log in, and now my actual credentials no longer work. Still, for the past year, I have been locked out of my account, and their system - Exerpian ( website and phone application ). 

Additionally, the Experian telephone number for support - ( XXXX ) XXXX - is an entirely automated system that does not have any live support to assist with customer issues. Their phone system only offers an AI system and there has been no way to get to any actual people in the company to look into my issues. I have sent several email requests as well and have not gotten any response. 

Around the time that I began getting locked out, I did have an issue with my credit accounts being hacked ; money was charged to XXXX of my personal accounts and I had to cancel all my cards and dispute the transactions. Also, I disputed an account of my credit profile as well and have not been able to get an update on it. I also misplaced my wallet last year somewhere in Texas, and it contained my social security card, birth certificate, and driver 's license. I replaced my driver 's license immediately but did not know what to do about my personal documents. I also relocated to XXXX Ohio in XXXX of 2022 and have been a resident of the state since then. I am not certain if any of this has to do with the permanent lock-out of my Experian profile, but I have not been able to get this information to the organization directly. 

I am truly concerned about Experian company handling my personal information, especially since my actual birthday and social security number no longer work to get access to my account ; something seems terribly wrong. I am unable to speak with anyone in their company due to their system being purely automated and not having an option for my issues or any times when a real live person is avaiable. Additionally, my credit account could be hacked and I am unable to get that information update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TD closed my account in XX/XX/2021. In XXXX I called in to have me remove from any for of electronic payments, bill pay and XXXX. It is normally common sense to conduct since you are no longer a customer. 

As, XX/XX/XXXX the bank refused to honor my results and been collecting funds on behalf of a closed account. 
I attempted to resolve this issue. The bank workers claimed the matter would be resolved in 2 bussiness however it isnt true. 

My friend sent me emergency funds and TD refused to release the funds sent to me, back to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent an email on Thursday XX/XX/2023 at XXXX XXXX  with the following information detailed below : Important Notification From CashNetUSA Customer ID : XXXX Past-Due Balance : {$25.00} XXXX, We are informing you that your debt ( s ) listed below will be sold to a third-party debt buyer on XX/XX/2023 unless you contact our Collections Department to set up an acceptable payment arrangement by XX/XX/2023 at XXXX XXXX  XXXX. All payments must be received by XX/XX/2023. 

XXXX - {$25.00} Please also note that if any payments are returned or canceled and not rescheduled and received before XX/XX/2023 your debt ( s ) will be sold. 

To schedule your payment : Call us at XXXX or Email us at collections@cashnetusa.com If you have already set up your payment or believe that the information above is inaccurate, please contact us at the phone number below. 

CashNetUSA Collections Team Monday Friday XXXX XXXX XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX, Closed Sunday Phone : XXXX collections@cashnetusa.com I made a phone call to the collection phone number linked in the email. XXXX at XXXX. I spoke to a representative that verified that there was debt collection in the amount of {$25.00}. She verified my debt by looking me up in the system with my first name, last name, and last four numbers of my social security number. She informed me if I felt this was a fraudulent transaction that they would have to file a police report with me on the phone. She used this statement in an aggressive manner and as a scare tactic. I told her I had no hesitations reporting this activity to the police. But I first wanted to see the original agreement and transaction terms. I then told her that I wanted a copy of the original documentation and loan agreement. She then informed me she was not able to access that information. Then transferred me to a collections rep even though I had called the collections extension from the start. The collections representative then informed me she could not access the loan agreement or the original documents that pertained to the over due loan transaction. She told me she would have to have her manager email the information I requested. She then asked for an email address to send the information. I gave her my current email address. This email was not the original address used to email me the message listed above. She then asked if I wanted to move forward with filing a police report with them. I declined and told her not until I have the original loan agreement information in hand to verify the legitimacy of the debt collection claims. We then concluded our call and she told me as soon as a manager got her request they would email me my requested documents. I have not received the documents in any of my email mail boxes or folders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This account was closed on XX/XX/2019 I submitted claims for unauthorized transactions due to identity theft crisis through XXXX data breach. 
The Bank of America account ending XXXX was closed with amount of {$3700.00} Which I have never received My claim number for unauthorized transactions is 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 2021-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax it's reporting an address in Texas that is not mine I've never lived there. I've been in Florida since the mid 90s. I have tried to dispute this with them but they find no issue and do not remove it from my credit report. I want to file a complaint against them and have this resolved for them reporting inaccurate and false information. This is tide 2 a company as well in Texas I believe that this might have something to do with identity theft This is why I'm concerned please help me in this matter with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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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 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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