BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an account open with Citibank for a month ( opened in XXXX XXXX, and the account was already connected to brokerages for long term investing as well as my XXXX and XXXX. One day I decided to apply for a credit card in an attempt to consolidate debt, and the consumer report enacted a further investigation into my account resulting in the decision to close my account on XX/XX/XXXX while many transactions were processing. 

No warning or notifications were given to me. No emails, phone calls, texts or any automated messages when trying to sign in. Suddenly my access to my accounts was completely blocked ( I had recently opened a saving account as well ), and I was forced to contact them. I was endlessly referred to other departments and spoken to as if I were an animal. I called numerous times and they refused to tell me why my accounts were blocked, refused to release my funds, and refused to release my bank statements until XX/XX/XXXX after repeated attempts. 

Their decision not only blocked access to half of my liquid assets, but also resulted in transaction reversals and the loss of funds from two separate investment companies and was the largest financial disruption I have ever experienced. XXXX XXXX XXXX were inaccessible in a time of need, and they allowed transfers going into my account after it was supposedly closed but not out. I spoke to representatives who were rude and had no empathy for a father who supports a family on his own. Also, I have been given no precise dates as to when to expect the return of my funds. They have quoted that it could take two months!

The anxiety and the dread this caused me is/was to such an extreme, I would likely spend 20 years taking Citibank to court if needed to in order to get justice. I would very much like assistance. My family needs compensation and their policies must to change so that this absurdity can not repeat. They operate like an illegal XXXX XXXX  or criminal organization and they have the power to financially destroy American families. Their policies must be changed and they need to pay for the suffering they caused me and my family. 

The image attached in the letter received nearly 2 weeks after the decision was made to close my account.

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 2022-11-04
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MS
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 saw on my credit report that a charge from XXXX was showing as a charge off on my account. I did not open this fraudulent account with XXXX. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since XXXX  and I have been going back and forth with XXXX and the credit bureau to get this handled. A police report was filed for this identity theft

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 2023-06-07
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX the XXXX through the XXXX XXXX {$400.00} regional Bank went into my savings account without my permission and took my {$400.00} after I may attempted to solve the problem for for something they say was a computer glitch my local branch straighten the problem out and refunded my money back into my account but later on the XXXX they went back into my savings account and took {$400.00} out after I did it online transfer for {$400.00} after I cancel my {$3000.00} CD with them the fee cost me {$20.00} before I cancel it I had a balance from {$100.00} etc from a refund from XXXX that's the only money I had in my checking account then I went to withdraw my CD they charged me {$20.00} after that I deposited {$1000.00} about XXXX on my lunch break and then I looked up about XXXX a.m. it was a negative balance of {$2400.00} with a balance of in my savings was XXXX but first it was XXXX then they left me a balance of {$1200.00} I went up to my local bank and ask them what was the problem they told me it was a computer glitch and we will straighten them situation out they straightened it out and refunded my money back for {$89.00} in my checking and {$500.00} in my savings but later on today regional Bank decided to go back in my account and take {$400.00} out and claim that this is not my money I have receipts a bank receipt this is a history regional Bank have committed a violation against my savings account and my money I like to file a complaint thank you

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: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The company was informed several times to remove this number from their system because it's an automated call that just fills up the voicemail. I requested them to remove the number they refused cursed at me and hung up. Refused to let me speak to management. I don't want further automated calls from this company. I asked on XX/XX/XXXX to be Removed from their call system to stop calling. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX, a letter was sent regarding identity theft on my account. 605B, enforces credit reporting agencies to remove 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. We are well over 4 business days from this matter and the items have yet to be corrected. I will not hesitate to file for litigation for the stress and heartache. Information on this file may have been impacted by XXXX data breach and my information got in the hands of the wrong person. Accounts that must be deleted immediately are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2021-06-20
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


XXXX accounts appearing on credit report.

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 2023-11-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account multiple times attached is the move out documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to TransUnion to remove a name that is incorrect and should not be on my credit reports. They have yet to remove it. 

They have XXXX XXXX XXXX My name is 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 2023-02-19
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my account with XXXX in XX/XX/2022. I was assured that my account had a XXXX balance. Now, a year later there is a collections agency calling and mailing me, and a derogatory remark on my reporting with the CRAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
Subject : Formal Complaint - Inaccurate Verification of Debt by TransUnion For whomever this XXXX concern, I am writing to file a formal complaint against TransUnion regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX XXXX, XXXX XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by TransUnion. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that TransUnion verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, TransUnion has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by TransUnion. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-03-01
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 XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2022-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX balance in full before the cycle period but was still charged an interest fee. I was told its because I have to pay my card in full for for 2 months. If my acct cycles with a zero bal then what am I being charged for? Also I made my payment at XXXX on XXXX XXXX and I was charged a late fee. They claim its because I missed the cut off but Im also a bank customer and their cut off is XXXX ET not XXXXET. Thats an honest mistake and I believe I should be credited for thats

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 a account without my written instructions.

THE LAW ALSO STATES : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

Company response to consumer: In progress
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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