BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX continued to bill me for the residence I was in at The XXXXXXXX XXXX XXXXXXXX after I had canceled my service and moved from the location. I called many times to have XXXX  XXXX remove this charge yet they did not. Then, when I received the collection notice I disputed it with still no avail. Next thing I knew the collections company National Recovery Agency XXXX PA sent it to the credit Bureaus. I have a letter from The XXXX stating when I moved prior to the incurred utility charges in question. Despite all this I paid the collection agency so it would not be sent to the credit bureaus yet it was sent anyway. XXXX  XXXX never sent me a cancel confirmation when I canceled my services and never followed up with any cancellation notices in the multiple times I requested them to do so.

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 2023-08-24
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
VIOLATION OF THE GRAMM-LEACH-BILEY ACT OF XXXX XXXX CITIBANK TORT COMMITTED BY CITIBANK AGAINST XXXX XXXX ON XX/XX/XXXX THROUGH PRESENT I WOULD LIKE THIS CONSUMER PROTECTION BUREAU TO INVESTIGATE THE TORT CITIBANK HAS COMMITTED AGAINST ME. 

I WIRED MONEY TO MY XXXX XXXX INVESTMENT ACCONT WHICH IS LOCATED AT CITIBANK. I SENT THE FUNDS OF {$4500.00} FROM MY CHASE CHECKING ACCOUNT. 

XXXX SAID IT WAS SENT SUCCESSFULLY BUT XXXX XXXX DID NOT RECEIVE IT. THE NEXT WEEK WOULD TAKE HUNDREDS OF CALLS TO TRY AND TRACK DOWN MY FUNDS TO NO AVAIL. 

FINALLY CITIBANK HAS COMMUNICATED TO XXXX THIS STATEMENT/QUOTE/ IN ACCORDANCE WITH OFAC GUIDELINES. 
PLEASE PROVIDE THE BELOW INFORMATION FOR XXXX XXXX IN THE REMITTER PAYMENT DETAILS FIELDS. 
. 
FULL NAME AND FULL ADDRESS OF THE INDIVIDUAL GENERATING THE HIT, INCLUDING CITY AND COUNTRY DOB OF INDIVIDUAL POB OF INDIVIDUAL PROOF OF CITIZENSHIP DESCRIPTION OF RELATIONSHIP BETWEEN ORIGINATOR AND BENEFICIARY DETAILED PURPOSE OF PAYMENT FULL NAME AND ADDRESS OF INDIVIDUAL 'S EMPLOYER, INCLUDING CITY AND COUNTRY ( IF APPLICABLE ) COPY OF INVOICE ( IF TRANSACTION IS COMMERCIAL IN NATURE ). 
FUNDS WILL BE HELD AWAITING YOUR URGENT REPLY. 
PLEASE ATTACH ANY NECESSARY SUPPORTING DOCUMENTS IN RESPONSE TO THIS MESSAGE REFERENCING OUR CASE NUMBER. 
FAILURE TO PROVIDE THE REQUESTED INFORMATION BY XX/XX/XXXX MAY RESULT IN THE FUNDS BEING REJECTED OR BLOCKED BY CITI. 
/UNQUOTE/ Please provide the above mentioned details as soon as possible to avoid any further delay of your payment. For all correspondence pertaining to this case please be sure to quote our XXXX XXXX XXXX, N.A. reference in your reply. '' THIS IS A VIOLATION OF THE GRAMM LEACH BILEY ACT OF 1999 THEY DID NOT DISCLOSE MY RIGHT TO PRIVACY THEY NEVER GAVE ME THE RIGHT TO OPT OUT OF INFORMATION SHARING AND THEY DIDNT EXPLAIN THEIR INFORMATION SHARING PRACTICES WITH ME. 
I SPOKE WITH XXXX IN THE WIRE DEPARTMENT WHO WOULDNT GIVE ME HIS LAST NAME. HE IS A TOUGH GUY BIG SHOT. SO I ASKED FOR HIS MANAGER XXXX THE WIRE SUPERVISOR EMPLOYEE ID XXXX I WAS SO RESPECTFUL WITH HER SHE WAS CORDIAL PROFESSIONAL AND NICE, AND MITIGATING RISK AS SHE SPOKE WITH ME. SHE DIDNT SAY ANYTHING OTHER THAN THEY ARE RETURNING THE FUNDS BACK TO XXXX ( WHICH HAS NOT HAPPENED AS OF THIS EMAIL ) SO LET 'S DO THIS BECAUSE OF THIS 100 'S OF THOUSANDS OF DOLLARS WILL BE SPENT BY CITIBANK AND OTHER GOVERNMENT INSTITUTIONS THAT WILL MITIGATE THIS FROM HAPPENING AGAIN TO OTHER XXXX 

FOR I AM A UNITED STATES XXXX XXXX VETERAN AND WE MUST LEAD BY THE FRONT CITIGROUP EXPECT A FEDERAL COMPLAINT FILED IN DISTRICT OF COLUMBIA CHALLENGING YOUR OFAC GUIDELINES INTERNAL POLICY. 

WE'RE GOING TO SEE IF XXXX XXXX WAS A GOOD HIRE FOR YOUR GUYS FROM XXXX. 

GET SUED SEMPER FI 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 explanation
Consumer complaint received 2023-08-24
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:
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. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX : {$660.00} XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MD
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. 



XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX  : XXXX, XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2020-09-30
Company: Social Finance, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I submitted a request to have my Private Mortgage Insurance removed having just paid the principle down to 78 % XXXX. One of the conditions of cancelling PMI is to provide evidence that there are no secondary liens and evidence that the property value has not declined. I have asked numerous times for XXXX to tell me what the evidence is I need to provide to have my PMI cancelled. Nobody is able to answer my questions and I am unable to get PMI cancelled without this information. They are effectively denying my cancellation request and violating XXXX in the process. 

I am asking for intervention to make them tell me the proper evidence needed to remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, XXXX XXXX has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. TransUnion and XXXX both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX  Account number : # 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 2022-08-18
Company: Asset Recovery Solutions, LLC
State: MI
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 am guessing that this account was given to Asset recovery solutions Inc, under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a cease and desist letter to IQ Data International about debt I am disputing Through the XXXX XXXX XXXX. Now they are calling 10 times a day and hanging up on me. They called my wife at her place of business and hung up on her four times. One time they simply asked where she used to live and hung up. This debt of {$300.00} involves a fraudulent billing practice where XXXX XXXX XXXX XXXX XXXX overbills clients for cleaning charges -- -charges they expense using in-house labor ( tax fraud ) they are also claiming we owe rent when we gave 30 days notice as required by Oklahoma law and were current on our rent when we moved out. It should be noted the apartment sent this directly to collections without sending us a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MN
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:
Ive been trying to resolve an error on one of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with XXXX, Equifax, and XXXX and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/18 - Attempted unauthorized money transfer from my checking account. There was no information given to me regarding this activity from any personnel ( customer service, fraud department or otherwise ) at bank of america. I have called them several times and asked to have access to my account, and not a single person will give me access without going into a bank of america branch location. Currently, in the state of Idaho, I have to drive 7 hours to the nearest branch location in-state, or travel out of state in order to find a branch that is closer to me, which is 5 hours. I can not spend 10 hours of my day driving to and from a bank location just to have access to my account. In addition, bank of america has multiple  factors of security to authenticate someone when they log into their accounts. The activity that happened requires someone knowing my information that is written down on paper and not stored on a computer, and therefore there is no way for an anonymous person outside of my state to have stolen my information and been able to log into my account online or on a phone without hacking the bank of america website. In order for me to log into my account online, I have a username and password, and security questions and a second-factor code that is sent to my phone so I can log in. On the phone, I have a face-id application as well. This is completely outrageous and should be compensated for this grievous inconvenience.

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 2023-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXXXXXX XXXX XXXX, I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all 3 credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all 3 of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. Equifax still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the XXXX credit bureau. All three credit reporting agencies are using FICO XXXX model. 
There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX and recovering from XXXX XXXX and XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
the first complaint is XXXX This company listed a collection on my credit report without notifying me of the debt. as of XX/XX/XXXX the account is still on my report and I was not given time to dispute the item. I have twice reached out to the company and have yet to get an email back from the manager about the account. they listed in their response that they validated the debt in XXXX of XXXX well at that point when it was done the account was already on my credit report the reason the validated to debt was because when they placed it on my report in XXXX of XXXX the first ( 2 ) letters went to the wrong address so therefore the account went on my credit report because I did not dispute it. I did not know of the account at that time all of their calls are recorded I ask for them to pull the call and they can hear the agent tell me that the letters went to the wrong address and that she would send me a new one so that I could look and see what it was and take care of it but they refused to remove the account that was placed on my file in error

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 2023-08-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from XXXX within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that XXXX XXXX XXXX XXXX take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my 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 explanation