BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
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:
FIRST CITIZENS BANK CREDIT CARDXXXX does not protect their clients FROM FRAUD. 
On XX/XX/XXXX, I filed a fraud claim on a transaction that occurred on XXXX XX/XX/XXXX XXXX for {$590.00}. The agent took my claim and understood it was good it was within the XXXX timeframe needed to file. I was told I would have a credit within XXXX. I never saw the credit and called to follow up on ( XX/XX/XXXX ). On this follow up call the agent stated the claim wasnt within the XXXX so I clarified yes it was, it was first called in on XX/XX/XXXX. Agent verified dates and apologized and took my claim again and we should see credit with XXXX. Today I call again just to verify because I thought I saw the credit but I cant find it on my statements. Called today ( XX/XX/XXXX ) and when the agent " XXXX '' checked on the claim, she stated the claim was denied because it wasnt within the XXXX time frame for filing. I questioned when did it change from XXXX to XXXX? She couldnt say and just kept repeating the XXXX. I asked if a credit was given it must be a temp credit and then they reversed it and agent confirmed YES. I asked to escalate and was told there was no escalation, it was denied. Advised agent a complaint was going to be filed because they lead us to believe the claim would be credited and they seem to change the rules as they go. NOTE : no notification was ever received of any denial nor of any possible change of required time frame. They are deceiving me and Im sure Im not the only one. I will be posting this issue on-line for other XXXX XXXX  that may think FIRST CITIZENS BANK is there to protect them. If we didnt follow up, no one would know they just used that excuse to protect themselves, not their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Home Point Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Evidently this company has denied ME based on not being able to verify MY employment? I have been ON SSDI for 5 years and when we first bought the house the lender needed my 1099. This is easy to obtain. HOWEVER I was only utilized as a co-borrower because of my credit score. They listed I lost a job due to covid? I didn't have a JOB as I was on SSDI and XXXX XXXX over there knew that. They did not ask for documents because they stated they didn't need them but to blatantly lie and say I have lost a job due to COVID? I am on SSDI. That can be verified with the government. They stated I had past due bills? I am not delinquent on an anything under my social. Please let them show me where I was late with any bill. 

Unacceptable payment history? That house we have is paid monthly ON TIME. If they do not fix their lies to the THREE credit bureaus, we already have an attorney ready to go after them. We have proof this WAS withdrawn on XX/XX/XXXX. They still went through anyway to mess my credit up? AND lied that they could not verify MY employment? If they simply asked for my SSDI PROOF verification letter which they did not from SSA they could have got a copy! My credit score they showed that they used was a XXXX ... clearly they are full of it when we decided to PULL out of the loan process on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IN
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2020-08-07
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: Investigation took more than 30 days

Complaint:
I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act these creditors has violated my rights. Under 15-US Code 1681 Section 602 State that I have the right to privacy 15-usc 1681 sec 604A Section 2 also state a consumer reporting agency can not furnish an account without my written instruction. under 15-US Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 an 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 explanation
Consumer complaint received 2020-08-07
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: Investigation took more than 30 days

Complaint:
I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Would like the Cfpb and FTC to take action against TransUnion for illegal irreparable harm caused to me, by illegal rental Background check and illegal reporting practices. TransUnion illegal credit Reporting Practices has called irreparable harm by reporting, incorrect information, in which it purposely lowers my credit scorXXXX in order to pay one of their agents to fix the problem, if not it is a and ripple effect on my credit score. # .1 This is a violation of Title 15, subsection 1611- False and Misleading Denial of my own credit. # .2 If ALL ACCOUNTS are XXXX XXXX XXXX Document No. XXXX XXXX Congress. See Congressional Record, XX/XX/1933 on XXXX XXXX, XXXX '' Under the new law the money is issued to the banks in return for government obligations, See, Title 18 section 8, See HJN 192 Title 31 section 3132 ( a ) ( b ) makes the statutory pledge of the United States government to payment of Obligation and interest on the public debt, see Title 31 section 3130 further delineates its definition " Net Public Debt '' See Title 31 section 3124 under the Unites States Exemption from Taxation, there can be no violation or any inaccurate information on my credit report. If ALL ACCOUNTS are PREEPAID. They must Accept for Value the debt instrument/legal tender of the United States , as long as the debt exists, its impossible for ne to be liable for government obligations. and for there to be an inaccurate information on TransUnion that is false and misleading information of MY OWN 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 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-11-30
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.

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 non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
On XX/XX/2020 I submitted a regular consumer dispute of inaccuracies that's reporting on my credit profile. I haven't heard from Experian yet saying that they were going to start an investigation. Then I submitted a complaint on CFPB Instead of them starting an investigation to my issue they keep saying they don't believe its me submitting my complaint. This will be my 4th time submitting a complaint about Experian and I believe this is a stall tactic. I'm angry because I want these inaccuracies corrected now. I will submit a copy to FTC also. I don't understand why this taken so long or why its so hard for them to start/correct/complete my dispute. I've submitted everything they asked for and still no investigation has started. Its been well over the time for the investigation.

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 2022-03-31
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX  tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX  XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX  transfer never reentered my account. If it did my account balance would show XXXX! 

I want my money! 


Someone changed my transaction... 
Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX  transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. 

This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
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:
I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX  and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC.

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 2020-08-07
Company: CITIBANK, N.A.
State: TN
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:
I disputed 5 charges on my credit card for XXXX XXXX XXXX on XX/XX/2020 for the amounts of XXXX, XXXX, XXXX, XXXX, XXXX. The merchant contacted me and send me text after a month to withdraw the credit card disputes in order for them to give me full refund. I logged on credit card company website and withdrew the dispute. The merchant still has not paid me the money so I contacted the credit card company to reopen the dispute, but they refused because it is already disputed once. I understand the regulation now, but the credit card company should have made that clear to me on the website that if I withdrew the dispute, it will not be open again. 

I lost my dispute and my money. The credit card company has the responsibility to make the customers understand the rules and regulations.

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 2023-08-17
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Student loan with navient, reporting lates on the co-signer side. But the primary shows no latest. I have reach out on several occasions about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts on my credit report below have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX 15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-08-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted payment to payoff my mortgage. I understand I submitted incorrectly however its been 2 weeks since i called to fix the issue and it is still not resolved. The money sent was placed in a inactive account instead of being applied to my account.

Company response to consumer: Closed with explanation