BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The entire underwriting process was a disaster. I was told I was cleared to close and then asked more documentation. Nonetheless I accepted all that Citizens bank requested and obliged. I finally closed on XXXX XXXX and it has been 4 weeks since closing and I still have no log in for getting disbursements for my construction loan. I have reached out to my MLO and even the assigned Construction draw administrator XXXX XXXX who is slow to respond. I am now being asked for documents that were already provided during underwriting and asked for different documents by the construction loan administrator. The process has been a nightmare and Citizens bank should not be in the construction financing business if they can not create a better experience for their clients. My construction is moving at a snails pace because I am unable to get disbursements from my approved loan even 4 weeks after closing yet they restrict me to a 12 month construction period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Citizens Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Citizens Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Citizens Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Citizens Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Citizens Bank inquiry removed from my XXXX credit report. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Citizens Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: MI
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:
I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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: Their investigation did not fix an error on your report

Complaint:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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 am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name XXXX XXXX XXXX Account numberXXXX REQUESTING REMOVAL OF UNAUTHORIZED INQUIRY XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXXXXXX XXXX  Inquired on XX/XX/2023

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

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 2019-11-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist,  in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: DISCOVER BANK
State: ID
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:
Discover card has zero buyer protection. They will lie and say your purchases are protected but they are not. Their dispute department is a joke!! My dispute was escalated to a Manager and still, they found in favor of the merchant. The way Discover handles disputes is if the merchant replies with even a simple Hello they automatically find in the favor of the merchant. They do not look at the evidence or anything. They will always take the word of the merchant over their paying customers. Even with pages and pages of evidence. 
On XX/XX/2022 I purchased a {$2500.00} industrial sewing machine for my sewing business from XXXX XXXX. The owner XXXX sent me the wrong, lower-end model that he sells for hundreds less! I tried to work with him for several weeks to get this issue resolved but he refused to make it right. On XX/XX/2022 I called Discover and had a long conversation with an agent explaining the details of the purchase and interaction with the merchant before opening the dispute. I made this purchase through XXXX on my Discover card so I was unsure if I should work with Discover or XXXX for this issue. The agent convinced me Discover would stand behind me and help me, and because I believed her and opened this dispute with Discover and not XXXX, I lost my XXXX buyer protection. I have spent 2 Months on the phone almost daily with Discover trying to resolve this dispute. I have been so stressed out and in tears over what happened and how Discover has been handling this dispute case. I gave them every piece of evidence they recommended and even more proving I was not sent the right machine model. Photos of the box showing the model number with the tracking from XXXX and proof of signature with that tracking number, and Photos of the machine, packing materials, etc. You name it I gave it to them. Yet they still said they Need Proof the merchant owes me a refund. WHAT?? I gave you proof I did not get what I ordered from the merchant! Discover sided with the merchant even though he submitted ZERO evidence! Discover is letting the merchant walk away from this transaction knowing he scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.

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 2019-04-23
Company: F.H. Cann & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have not stopped. First on XX/XX/2019 they repeatedly kept calling me. I would answer their call and hit mute and listen to her speaking, asking for me. " Hello, hello hello. '' I refuse to speak through them through the phone, so the next day, XX/XX/XXXX, I mailed a notice to ask them to please quit calling me and to either snail mail or email. 
They didn't listen. Friday, XX/XX/XXXX they called my partner ( I never gave them his information ) and then also my mother. They told my mother that if she didn't get a hold of me next they would call my work. Well, today, XX/XX/2019, they called my work. This is after I told them not to contact me in any other method than in writing. Especially NOT to call me at work. 

XXXX, who is employed at XXXX. XXXX XXXX XXXX, a debt collector, has repeatedly called me and harassed me when I have given specific instructions. Next it'll be a call to my attorney and lucky for me I work at a law firm. It'll cost me nothing to pursue them for damages. 

XXXX XXXX should be fined. THEY are not above the law. I CAN NOT PAY THIS DEBT AT THIS TIME and I have told them repeatedly. 

They have harassed family members and now my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I submitted a dispute with CITIZENS bank because there were unauthorized transactions in my account totaling to {$620.00}. I received a temporary credit until the investigation was completed. CITIZENS bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transaction was valid and the temporary credit of {$620.00} will be reversed from my account on XX/XX/2022. CITIZENS Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CITIZENS has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX JOINT  ACCOUNT  with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX and XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2023-02-20
Company: LFG Data Services Holdings, LP
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:
Dear TransUnion Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized Affidavit proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls and refuses to identify themselves. After repeated calls and telling them to remove me from their contact list, they keep calling. I block the number, but they call from a different number every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Account : XXXX, Account # : XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$2200.00} ; XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX # XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX  Claim Amount : {$4200.00} This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

The above letter is what I received from chime about unauthorized transactions from my stolen debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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

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