BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2022-09-24
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:
After discovering this debt with XXXX XXXX  XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

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 2023-02-02
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have previously filed a complaint with the CFPB, XXXX # XXXX. I am submitting a new complaint as Citi has deviated from the steps they alleged they would take in response to this complaint. 
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. 
Citi responded to my previous complaint alleging that they would close the account. In Citis response to my previous complaint they alleged that they had received the required documentation. When Citi finally contacted me a month later, Citi alleged that I had not sent the required documentation even though I had sent the documentation they asked for twice. 
Citi asked for new documentation they had not previously asked for including Letters Testamentary or a Small Estate Affidavit. Citi claimed they would not even discuss the account with me until I sent this. This contradicts their response to me previous claim in which they alleged that they had received the required documentation. 
Since then, I have filed a Small Estate Affidavit with the XXXX XXXX XXXX XXXX. I have faxed a certified copy to Citi as requested. However, the account is still open. Citi is still refusing to close the account or discuss the account with me, despite a legal obligation in the state of Oregon certified by the XXXX XXXX XXXX Oregon.

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: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I previously submitted complaint, XXXX XXXX, which was answered by PHH Mortgage , the party to whom my complaint was filed. That resulted in PHH Mortgage, denying any record of the property in their system, via PHH Ombudsman. 
PHH Mortgage continues to pursue my property, by an additional response from PHH containing illegal documentation. Specifically, a signed Certificate of HUD Counseling, that is signed with a forged signature of my deceased mother, XXXX XXXX XXXX. This document is being presented for the first time by PHH Mortgage. It is a false document. Counseling was not performed to my mother in XXXX or any other time. I have attached the forged document, as well as documentation with her actual signature. I also have reported this forgery to the NM XXXX XXXX XXXX. The ongoing attempt to take possession of my property through unlawful, fraudulent means by PHH Mortgage ( RMS ) has been misrepresented in XXXX XXXX NM XXXX XXXX, through concealment and invalid recording of a deed instrument, representing that XXXX XXXX XXXX is the owner of a loan through an unlawful foreclosure, unlawful foreclosure sale XX/XX/XXXX and improperly notarized Special Master 's Deed, XX/XX/XXXX. XXXX XXXX XXXX has disclaimed any interest in the property XX/XX/XXXX as does PHH Ombudsman XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: LA
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 right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$310.00} XXXX XXXXXXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 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 identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - 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 consumer 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 explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: VA
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:
Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all XXXX of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all XXXX of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXXXXXX. Sure enough I checked online and it said all XXXX of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the XXXX time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I may not get my mortgage because this affects my credit score.

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 2021-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So my td bank was supposedly supposed to be closed XXXX  months later nothing and I havent seen or have had any luck with my money that was in that account Im tired of going back and fourth to the branch and having to call them on the phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it 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 2020-07-31
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I been calling US Bank since XX/XX/20 and today is XX/XX/20. My balance is XXXX and Im unable to access the funds. Ive tried withdrawing the money multiple ways but it keeps declining. Every time I call the customer specialist says my card was inactive and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. Ive reported to all three bureaus and the company is. Ive never lived here. I am a victim of identity theft. Please help me. ive been harassed by this company. 

XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX department XXXX XXXX {$4700.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : Account information disputed by consumer Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$4700.00} {$4700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00}, XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00}, XXXX XXXX ( AccountNumberXXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} )XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX 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 2022-09-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-05-11
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: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I transacted with XXXX XXXX XXXXXXXX to get a home mortgage pre-approval, which according to them required a credit report be pulled from XXXX, TransUnion, and XXXX. Starting on XX/XX/ I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX XXXX XXXXXXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.

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 2022-01-18
Company: VYSTAR CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Vystar Credit Union has changed for the worst. I have been with them for over 35 years and in the past 3 years, there has been countess fraudulent activity within my checking account that has become inexcusable. There has been fraudulent activity and the tellers there or reps treat you like you are responsible. 
The customer follows the rules and the bank will turn around and give the perpetrator your money back. Even when you fight to get it in the first place. 

As soon as I can leave this bank, I am leaving and will not return as soon as I can get my payroll changed over as they are not able to handle the increase in fraud in America at this time. As a matter of fact, please note there is a fraudulent person working in that particular department by the name of XXXX, the same as the person who stole over {$220.00} from my account on XX/XX/2022. 
There is over {$890.00} in refunds in limbo that I am missing as this same bank has allowed XXXX XXXX XXXX to steal from me even when I proved that they were not due any of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.

Company response to consumer: Closed with explanation