BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit 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 identified unauthorized charges on my Costco XXXX by XXXX XXXXXXXX XXXX of XXXX XXXX ( XXXX ) number from credit card statement. XX/XX/XXXX there were XXXX charges of {$35.00}, and again XXXX {$35.00} charges on XX/XX/XXXX. I only had one active account at the time and the authorized amount was {$27.00} on my NFCU card. I cancelled that two and am sure XXXX will assist with those charges. Citi is the opposites. After submitting XXXX separate documents in XXXX for the four {$35.00} amounts, I was issued a conditional credit. One was reversed, and the other three stuck. I called Citi after the chargebacks and was assured they would reopen the case. Prior to contacted Citi, I visited the merchant four times, provided the statement and charges and was first told the manager would call, and a week later, no call. I made separate visits, asked to close all accounts as two years prior I had two vehicles, but in separate card. Today I called and found the three reopened reviews were closed on XXXX XXXX. I had requested that the vendor be blocked verbally in XXXX with the agent for CITI, and I had two more charges from the same vendor for {$35.00} each on XX/XX/XXXX. The letter said I didnt have enough proof, and to go and work it out with the vendor. I asked the supervisory agent for help today, and she repeated the letter info. The business is not listed under XXXX  and the number on my Citi bank is fraudulent. I asked the supervisor today on XXXX XXXX to call the number as proof its a fraudulent number on their statement and she point blank told me she wasnt going to do that. Ill love Costco, spend thousands with their visa, even used it for a down payment as I purchased through Costco car buying program. I will be sending to our friends at Costco corporate that Citi is not representing Costcos image properly. Ive only had the card a couple of years, and cant believe vendors properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sued and did not receive notice of trial and other documents because the plaintiff had the address wrong. Did not receive any information about the debt, if so I would have requested validation. The plaintiff had a default judgement entered. I am requesting the plaintiff to removed or vacate the judgement please information was incorrect. 

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied NUMEROUS times to have my co-signor released from my loan. I have met all of the requirements on their release list, and I have made all of my payments on time. My co-signor is an ex-boyfriend that is married and wants to be released from this loan. I obviously can financially afford this loan, I have made payments on time, there is absolutely no reason to continually deny this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and did not make the charges.

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 2023-07-06
Company: EQUIFAX, INC.
State: TX
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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
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 am a victim of identity theft and did not make the charges.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER 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 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 2020-08-14
Company: Specialized Loan Servicing Holdings LLC
State: KY
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:
I filed a dispute on my credit report for 2 inaccurate statements with my mortgage company saying payment was late on XXXX and XX/XX/XXXX. The dispute came back saying the mortgage loan was discharged through bankruptcy chapter XXXX. My ex-wife filed for bankruptcy after we were divorced and this loan was not included in her bankruptcy and I have never filed bankruptcy. This is inaccurate and needs to be removed 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 explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made it worst. I am in process of XXXX XXXX  by given in proper information regarding my income on applications, pulling my credit multiple times on different dates and finically hardship on loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: American Credit Resolution, Incorporated
State: TX
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:
XX/XX/XXXX {$300.00} Seizure of all banking account American credit solutions inc

Company response to consumer: Untimely response
Consumer complaint received 2020-08-25
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXXXXXX {$180.00}

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 2023-09-15
Company: EQUIFAX, INC.
State: MS
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 Name : XXXX XXXX XXXX XXXXXXXX Account NumberXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXX Balance Owed : {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX No assistance - still waiting - need IRS subordinate agreement - BB & T will not corporate with the Irs I wed the subordinate agreement approved in order to receive a modification and BB & T said I can not get a modification without the subordinate agreement. I have tax liens on my public records report for a business debt for payroll payments to the IRS. These reports show on my property has liens because I can not get them removed only by the irs. 

XX/XX/XXXX - modification. Application again not result or assistance. 

XX/XX/XXXX - complete motivation package XX/XX/XXXX - denied modification package XX/XX/XXXX - submit another modification package XX/XX/XXXX - package resubmitted and denied again XX/XX/XXXX - denied again XXXX Filled for loan modification and assistance- application and other required documents. 

XX/XX/XXXX - irs reaches out to the Truist Bank- formerly BB & T- no response from them. 

XX/XX/XXXX - time has expired with Truist Mortgage and I had to submit another modification package to avoid foreclosure. 

XX/XX/XXXX - Filled for loan modification and assistance- application and other required documents. this is 10 times that I have submitted a modification package to the mortgage company. And I keep getting the same run around! 

XXXX/XXXX/XXXX - another package was submitted and 45 to 60 days later same result. They let the Irs application expire and they will not send the required documents that irs representative is asking for which is the deed and the modification process that states I will not receive any funds from the modification just restart my mortgage. 

XX/XX/XXXX - submitted another modification package and another Irs application for the subordinate agreement for the tax liens and the truist is still refusing to assistance for a modification!

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 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

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 2023-07-20
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: Information is missing that should be on the report

Complaint:
I have contacted Equifax numerous times to remove an address that is incorrect on my credit report they have yet to remove it the address is XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TD BANK US HOLDING COMPANY
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:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Accounts reporting on credit report are not mine Sent multiple identity theft reports via USPS mail Called company to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to file a formal complaint and seek assistance regarding an ongoing issue related to my credit report as maintained by TransUnion and XXXX that was disputed for years and was not removed nor was it fully verified. 

I believe that both of these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by knowingly inaccurately reporting disputed account information and failing to correct it. 

They lied and said it meet FCRA standards when tI XXXX XXXX confirmed that there is no account for me. I have been dealing with this issue for years and these reporting companies continue to report errors on my credit report also there are several other errors on my credit report they still will not delete knowing there are reporting errors. They refuse to delete it and they keep sending me credit card offers in the mail. 

I am seeking a XXXX fine against each company and would like your help. Please see attached proof that account is not mine.

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 2023-07-06
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
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:
XXXX XXXX XXXX  Account number XXXX 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