BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Experian Information Solutions 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 HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS

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 2019-02-07
Company: AES/PHEAA
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:
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: DE
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:
In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my XXXX and Equifax accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Flagstar Bank is the worst financial institution and should not be in business. I started this process to refinance an exiting loan with Flagstar in XX/XX/XXXX. It has has been over six months! This process is no closer to closing this out and going on month seven! 

As of to date, XX/XX/XXXX, the loan still has not been processed or finalized. Im working with my third loan processor and have been asked to resubmit all of the information I have previously provided plus more as if Ive never submitted any information. The loan processor/ supervisor, while very nice and the reason I elected to refinance with Flagstar , has not been monitoring my file nor provided any resolution. I contacted the customer service line and never received call back or resolution. I made several attempts to ask for a manager to call me back and still have not heard from anyone!! My experience with this company is unbelievable and has been unprofessional. 

Im a professional with minimal debt, great credit and should never be treated or made to feel less than. I learned that the underwriter assigned to my file has spent the last six months or more excessively questioning my file, asking for several documents ( that I have provided with no delays and in access of what has been asked ), and scrutinizing my file based on a what I believe to be a bias - questioning my low monthly gas bills. This is ridiculous and uncalled for and an attempt to suppress consumers by frustration and dissuasion. 

Flagstar has and continues to waste staff time, money AND my time, money and energy! Im at a loss.

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 2017-05-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2017-05-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) '' As such, under 15 U.S. Code 1681i, Paragraph ( 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- ( ) 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 ( i ) 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 2023-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to purchase a router on XX/XX/XXXX on XXXX website. XXXX website redirected me to XXXX  to complete the transaction and it was approved on the XXXX website ( Loan payment provider ). So I got charge for a downpayment {$100.00} on XX/XX/XXXX ( see attached image ChargeFromXXXX screenshot from chase bank website ) When I check on my email or XXXX  website order history, it shows nothing, no order detail no transaction can be found under my account. ( see attached image NoOrderOrTransactionFromXXXX  ) So I tried to contacted XXXX  website ( the loan provider ) to submit a complain ticket and I got the answer. ( see attach images XXXX ) That the loan ( ID : XXXX ) is approved and charged me for {$100.00} for XXXX product XXXX I told them I have no order confirmation email or any transaction that can be found under XXXX website. They ask me to contact merchant ( XXXX ) to solve the problem. 

So I contact XXXX ( XX/XX/XXXX ) and created a ticket XXXX to investigate my problem and got the response from XXXX billing team said there is no charge or any transaction that can be found and case closed. Please see the attached screenshots for reference that i had been charged for {$100.00} Then I contact Chase bank ( XX/XX/XXXX ) for a claim for the transaction ( Reference # XXXX ). They give me temp. credit on same date. But this morning ( XX/XX/XXXX ) they send me a letter and told me that the transaction is valid and they will remove the amount {$100.00} from my checking account. THIS IS NOT TRUE. I DID NOT receive any product or service from XXXX website. 
So I wrote a letter to Chase ( see attached image LetterToChase.jpg ) and call them 3 times and they said the claim is final and refuse to reopen my claim nor to refund me my money. 

If you need more information, please contact me. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: TN
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 XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against SANTANDER CONSUMER USA I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SANTANDER CONSUMER USA who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SANTANDER CONSUMER USA stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: NFM, INC
State: OH
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:
6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: AL
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:
Dear cfpb can you please look into the account named XXXX XXXX XXXX and make sure everything is reporting 100 % accurate and if its not please remove it from equifax & XXXX because they will not follow the FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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 reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$590.00} FIRST XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed an application for  Long Term  Payment modification assistance to reduce my payment. I faxed the initial application on    X/XX/17 .       XXXX   .17 - rec eived notification that information needed clarification and other documents needed to be provided within  20  business day from the date of the letter (   XXX   .17   ) . Spoke with  XXXX  on    XXXX  .17    at  XXXX   XXXX  PST. He told me exactly what to provide. I faxed it on   XXXX   .17 an d received confirmation of its receipt at  XXXX  PST. This information was faxed within the 20 BD time frame.     XXXX  .17  R eceived notification that the information was not provided on time and the application was denied. Called at  XXXX    XXXX   PST on    XXXX    .17 s poke with  XXXX  ( employee ID  XXXX  ). He reviewed the application and agreed the information was in fact received in a timely manner. He sent it to his supervisor.     XXXX   .17 I follo wed up on the application. Spoke with  XXXX   XXXX  ( employee ID  XXXX  ). Reviewed the issue with him said he would call me back with in 1-2 days.   Did not call me back.       XXXX    .17 I   called  XXXX  again - he said he would review it again and call me back.     XXXX  .17  Af ter numerous phone calls and days later,  XXXX  and  XXXX  agreed it was an error on their part as to why the application indicated the information was not received on time. They said they would reprocess the application.     XXXX  .17  Follo wed up with  XXXX  on the status. She recommended I complete the application again and submit updated statements for my student loans.     XXXX   .17 Fa xed the application to  XXXX  and received confirmation of its transmittal at  XXXX  PST.      XXXX . 17     XXXX  called and said she received the application and will expedite it.     XXXX   .17 ca lled to follow up on the application. Now  XXXX  says there is other information that needs to be submitted, however, she failed to tell me this upon the initial application and stated my application was complete. Spoke with  XXXX , Supervisor, who said he would look into it and call me within 24 hours.    XXXX .17  XXXX  did not call me back. He had a customer service rep call me back who could not clarify what exactly was needed to process my application. Asked to speak to a supervisor and no supervisor was available.  XXXX  picked up the call and stated that we needed to complete the cosigner page again with the amounts of those loans. However, this was already completed in the f irst 2 applica tions!

Company response to consumer: Closed with explanation