BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open a Citi XXXX Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus ( The expected bonus is {$200.00} ). The ACH transfer is success from my XXXX  XXXX XXXX side. 

However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NY
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 did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on 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
Consumer complaint received 2019-11-19
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and spoke with enhanced recovery XXXX XXXX XXXX XXXX XXXX fl XXXX Told it's not my account I've never had an account with XXXX. I've called a few times but don't have exact dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Finance of America Holdings LLC
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company filed the foreclosure in court and were unable to provide me an itemized statement of how much we owed. I filed a complaint at that time and they provided me an itemized statement that had bogus items on it like a line of credit and and loan set up fee and then XXXX XXXX tried to justify that list by saying you agreed to pay that back ... of course but that is not something that would be on an itemized list to pay back in order to cure a default and either would a line of credit. So, I called and pushed back on that list. It took you about 45 to 60 days to come up with a list that matched the default amount you had been quoting me. I told you that I had applied for assistance with XXXX even though you have said I did not. Of course they came back and said we were not behind on our property taxes because you have hired a third party in California to pay our property taxes and your attorney has arranged for her to receive our property tax bill of us and the county tax office says that even if we pay our taxes, she will too. We are going to get that stopped tomorrow but anyway, The balance of {$3800.00} that you have used to claim in court will cure the default and given us is an error as I told you before... and I am not referring to the fact that you did not follow regulations to assess force placed hazard insurance. As you will see, You state that on XXXX XXXX XXXX  property taxes were paid and the amount is {$520.00}. You have included the receipt for that payment as check no. XXXXXXXX and recorded that as the Spring installment. However, that is the Fall installment. You failed to include the Spring installment paid on XXXX XXXX XXXX  by credit card by your 3rd party vendor. I know, hard to believe that it is being paid that early. However, I have done some research and that it not uncommon for this company that randomly pays property taxes on Reverse mortgages. I can attach proof of this for you. Please get this straightened out with the trust attorney ( after you look into the insurance regs, please ) that had the numbers when we had our settlement conference in court and I told him I did not think they were correct but he insisted. I feel like things should be correct before you start foreclosure proceedings. I knew they were not and this is what I kept trying to tell everyone but NOBODY wanted to listen to me. BTW, your monthly statements can not be considered a borrower 's notice of anything. Many of the ones I received you can barely read because the printer was out of ink and they are the most difficult to read statements I have ever received. Clear as mud.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I overpaid my XXXX XXXX account in XX/XX/2022. I should not have any payment for XXXX. XXXX XXXX reported me as missing a payment. I pulled my credit today XXXX XX/XX/2022 and the balance is incorrect XXXX. I paid XXXX XXXX in full on XXXX XX/XX/2022. I haven't missed any payments and overpaid them in XXXX. XXXX XXXX refuses to correct this on my credit report. I have filed multiple disputes with XXXX, XXXX and Experian to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: MA
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:
This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the Experian and XXXX XXXX on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my Experian and XXXX Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the Experian and XXXX XXXX to fully remove these inquiries in my credit file, listed below : EXPERIAN : 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 non-monetary relief
Consumer complaint received 2023-01-17
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX XXXXXXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these

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 2021-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: American Credit Acceptance, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I noticed a XXXX XXXX on the XXXXXXXX XXXX website. I called and thry told me they had it and ran my credit. They then called back and said the XXXX  was gone and but i had been approved for a XXXX XXXX. This is when they performed a bait and switch on me. I decided to purchase it but i told them i wanted a warranty that covered 100 percent of future costs. I asked if the car had check engine lights and had been serviced. The salesmen XXXX XXXX stated the car was great and had no problems, no check engine lights and had been serviced. I had my wife wire {$10000.00} for the down payment. He sakd the warranty covered all future repairs after i received the car for four months. I asked for the warranty but he didnt send it. When i received on XX/XX/XXXX  the car it immediately ran hot.within 90.feet of driving it and their was a.check engine light. The car was not drivable nor operable. I called XXXX the salesmen he told me to drive it to a mechanic. I towed it to XXXX who told me the rapairs but told me they couldnt fit it. I then towed it to an ase ceritied mechanic. I received i called the car lot and spoke with XXXX and told her i wanted to return it on XX/XX/. And told her about the car. She said send her the bill. XXXX said the carlot would pay for it. XXXX a representative at XXXX  then said she would have a salesmen call me. They nevwr did. I called but the XXXX  dealership kept sending my calls to voicemail and refused to return a call or email.they refuaed to tale the car back. I later recieved the warranty i formation and found out the warranty only covered 3 percent of the {$8000.00} in repairs. I towed the car home. I then complained to my bank American credit acceptance phone number XXXX XXXX XXXX who informed me the XXXX  XXXX  had falsified the condition of the car in order to receivd the loan. They told mr call back in a few.days.and im waiting to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove the following items : 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 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 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 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 2020-10-30
Company: Southwest Recovery Services, Inc.
State: TX
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:
To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XX/XX/XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-01-12
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my XXXX payment for PSLF forgiveness in XXXX of 2022. Mohela acknowledged all my payments and certified my employers. I have called several times. Was told by XXXX XXXX " Everything we send to XXXX XXXX XXXXXXXX. '' XXXX 's # is XXXX XXXX XXXX XXXX. XXXX 6 months does not seem reasonable. XXXX seemed to process these much more efficiently. 

Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in XXXXXXXX XXXX XXXX to an individul account with PNC Bank. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by XXXX that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}.

I filed a police report. The police invetigation revealed through subpoena to PNC bank that in fact the ACH was reversed and no funds were disbursed to PNC customer. However, I never received the funds back into my account. When I ask XXXX XXXX they are telling me that PNC is not responding. When I ask PNC, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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