BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX  account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.

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 2020-03-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Hello, I am writing to complain that my Citi credit card has been fraudulently charging my credit card for the Payment Safeguard program that I never signed up for. I just realized this in XXXX of 2019 when I was looking over my credit card statement through the Citi app on my phone. When I realized they have been charging me for this service I called and had them immediately cancel this service. I then asked them how long have they been charging my card for this and come to find it has been for almost 8-10 years. So I said I never signed up for this and would like them to refund me my money. This was my fault for not seeing this on my statement but then again I never have received a statement from them either. I just know when my payment due date is and always would call the number on my card and make my monthly payment. So long story short I called back and spoke to a manager who said that they will look into this and I will receive a letter in two weeks with their outcome. Well after doing this at least 4 times I did not get anywhere and kept getting the run around each time being transferred to a company in Texas that handles the Payment Safeguard. I asked them to provide proof of me signing up for this when at the time I probably had a {$100.00} balance in which I would not need any help with makign this payment due to the minimal amount of my payment. I can handle the low balance and I had job security so I never signed up for this service ever and it would of made no sense for me to do so to begin with. So to this date I keep going back and forth and the last response was that they could not provide proof of me signing up for this service. So my question is why do they not refund me all of the money if they can not prove I signed up. I did not sign up for this and am demanding a refund for all of those years of them charging me per month for a service I did not sign up for. It is a complete scam and have to say I am not happy one bit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: NAVY FEDERAL CREDIT UNION
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:
NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: AL
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:
According to the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX and XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: AR
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 informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$1400.00}

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 explanation
Consumer complaint received 2023-01-19
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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 filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX 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 2022-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with an escrow account with the Bank of America. I get a property tax exemption from the county of my residence. In XXXX the county erroneously declared my pre-exemption tax to the bank while sending me a correct bill. On two occasions in XXXX the bank overpaid my tax and the county realized their mistake and refunded the escrow account in two payments in XXXX XXXX and XXXX XXXX as reflected on the Escrow Account Disclosure Statement. Now the Bank is calculating my XXXX escrow payments based on the erroneous higher tax amount which will result in an increase of {$150.00} to my monthly escrow payments. Since XX/XX/XXXX I have made several attempts to ask the bank to correct the mistake but their agents are not responsive to my concerns. I have sent copies of relevant documents ( including letters from XXXX XXXX confirming my exemption, and my tax bill ) to the bank but since they show my name and address, I have not attached them to this complaint. I appreciate CFPB 's help in resolving this issue.

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 monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}

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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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 Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
Inspite of all the complaints, disputes, and investigations submitted, and filed! It still led to no progress, corresponding actions, and nor resolutions! Instead Experian has the audacity to : attempt to do a repeat, and redo of the past! Government Agencies, Yourselves, Non-profits, and nor Legal Enforcement couldn't have done : anything about my overall situation, because Experian wouldn't be trying, to repeat the same crimes, and renditions of the past! If you folks that's in charged, can't do your due diligence, and jobs when consumers turn to you'll! Why do you people exist, in the first place? Experian literally failed, and refused to do anything ; to address, and resolved my issues/problems in 2022! Look, something has to be done, about this : quick, fast, and in a hurry! How long is the system, and Persons in authority is going to ; allow Experian to keep breaking all types of laws, and violating my health, civil, and constitutional rights??? This matter should had been resolved, and settled by now! If the necessary legal actions against Experian, would had been carried out! Just can't afford another repeat, and renditions of the past! I wish this Country would do : something to preserve, sustain, and protect my health/self from, these types of abuse, and injustice at any cost, and by any means necessary!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed adispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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 filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX around XXXX XXXX I went and purchased a prepaid bluebird card I put {$400.00} on it I get home and try to activate the card and was told I had too many accounts I called customer service ask them to close out the accounts I don't use anymore the lady said that she did and I be able to use my card right away. I'm still unable to access my card I have to wait 30 days to receive the last bit of money I have to my name I'm a single mother and I work very hard for my money. I also have a fraudulent charge that I did not do when my car got stolen which included my wallet and I have to wait 45 days for that investigation I just want access to my new card and money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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: Billing dispute for services

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as 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 2023-03-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX  account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX  account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent.

I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit. 

Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: EQUIFAX, 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,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent my mortgage company my payment for XX/XX/2022 through XXXX XXXX I sent the third party because this company foreclose on me previously and I did a loan modification. They are doing the same thing again. But this time I'm sending my payments through third party so I have a witness I sent {$2100.00} through XXXX XXXX to specialize loan servicing who is the servicing company for a XXXX  XXXX XXXX I kept calling specialized loan servicing to see if the payment posted and when it didn't they kept doing a ticket but on XXXX the XXXX 2022 when I called XXXX XXXX they said that specialized loan servicing refused the payment and refunded it. Tracking number is XXXX the payment was given to my brother to send for me his name is XXXX XXXX account number is XXXX XXXX I have the receipt attached.

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