BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid 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'm filing a complaint due to the fact that citi bank account XXXX has some major FCRA violation 's you closed this account on XXXX XX/XX/2019 per the FCRA & the FDACPA there should not be any monthly payment listed on a closed account this is a violation also per the FCRA 623 / FDACPA 806 B You must enter consumer dispute marks on the account this account can not report. I have disputed this with all three of the reporting agencies but they said that you verified it as reporting correctly I have pending Litigation on Two of them as we speak. Please delete this account asap. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Tate and Kirlin Assoc
State: MS
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:
I have a collection account listed on my credit report by a debt collection agency, XXXX XXXX XXXX, collecting on behalf of XXXX XXXX. XXXX XXXX XXXX is the current creditor, but Tate & Kirlin Associates , INC has been sending me letters offering to settle the account. XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: MIDFIRST BANK
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX  Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest. 

Is this legal ( they are holding my money interest free for over a month )? 

Please advise as to my alternatives. 

Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 monetary relief
Consumer complaint received 2016-08-25
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX has foreclosed our home illegally. My husband and I have been trying to get a mortgage modification for about 6 years. We have applied approximately 28 times for a mortgage modification with XXXX XXXX XXXX, and more recently with Selene Finance. My husband is XXXX, and I am in the process of applying for XXXX as well. Originally XXXX were servicing this loan. They got in trouble or something and XXXX XXXX XXXX began to service it. We applied, basically, every 90 days for a mortgage modification after I lost my job, due to a work related illness. They would tell us that we did not submit a document or we did not reply within the specified time frame. All of these reasons were untrue. This appears to be XXXX nefarious scheme to steal real estate property, and were subsequently fined for these illegal practices. About the time the Florida Attorney General was closing in on XXXX XXXX XXXX, they sold the mortgage to Selene Finance. We tried to apply for a mortgage modification again but the balance had increased by {$50000.00}. To a new total of {$200000.00}. In the meantime, we have experienced a sinkhole under the home and are currently in litigation with the insurance company. XXXX XXXX XXXX tried to file a motion to stop the foreclosure due to the sinkhole claim, but the circuit judge denied the motion. We filed bankruptcy to stop the sale. When the bankruptcy was discharged due to not being able to pay the filing fee, XXXX XXXX XXXX again initiated a foreclosure. XXXX XXXX XXXX foreclosed on the property illegally. Selene Finance has been the owner of the mortgage since XXXX, XXXX. XXXX XXXX XXXX stole the property through their robo foreclosure law firm XXXX XXXX, on XXXX XXXX, XXXX. There were other purchasers at the foreclosure sale, but the County Clerk did not give them a chance to bid. Instead they sold the property to Selene Finance in the back room for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 8. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-07-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afni, Inc.

Recovery Team - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . 
XXXX, IL XXXX XXXX Acct : XXXX Collection agency reported debt to XXXX  on XX/XX/XXXX. I filed my dispute with XXXX  on XX/XX/XXXX. In my dispute I requested validation of the debt. AFNI failed to respond to XXXX. As such, XXXX  completed their investigation and removed the collection from my credit report on XX/XX/XXXX. I called and attempted to resolve this matter with AFNI on XX/XX/XXXX. The agent misrepresented my intentions and confirmed she noted the account as " refused to pay because mail not received. '' I clarified that was not my intention. I called AFNI to settle the account for a low amount ( {$25.00} ) because they did not respond to XXXX, or at best, to have the account removed from collection. Due to that conversation, I sent an additional formal dispute letter directly to AFNI on XX/XX/XXXX via e-mail stating all of the above. I demanded removal of the account from their ownership and a cease and desist of collection actions based on misrepresentation, FDCPA 807. I demanded removal of the account and cease and desist of collection actions due to failure to respond to verification request to XXXX, FDCPA 809 ( b ). 

I received a letter yesterday from AFNI with an additional attempt to collect the debt and with verification from XXXX XXXX XXXX attached. Note, the verification was simply XXXX XXXX XXXX 's letterhead and a balance owed. There was no itemization or explanation of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018, Citizens Bank processed a DDA Debit for XXXX on my checking account for an offset for an old account that I had with them. However, since the sources of income for that account are Unemployment and Child Support, those sources are considered uncollectable and are exempt from debt and garnishments. They are refusing to return my unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
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:
On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my 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
Consumer complaint received 2018-06-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am getting the dates now from Navient. I made a rather large payment of over 2,000 dollars one year and it was never applied to the principal after I was told it was and my loan is not going down it is going up even if I pay more than the amount due. I have asked for help with Navient to give me the proper amount to pay, so I am not paying it until I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion, XXXX  and XXXX  has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.

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 2015-09-10
Company: Global Trust Management LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company XXXX XXXX XXXX has made repeated calls to my employer, my family, and my friends claiming I owe a debt and need to call them back. 

The number is XXXX xXXXXName : XXXX XXXXThey have not sent me any correspondence via mail about this alleged debt. It is to the point of harassment. They call 3-4 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
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 sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: PNC Bank N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Filed a dispute on a debit cart transaction on XX/XX/21 with PNC Bank for {$440.00}. 
Returned a mattress to XXXX 's furniture on XX/XX/21. {$440.00} XX/XX/21, PNC refused to credit my acct. 
XX/XX/21, spoke with XXXX from PNC Bank. Acct still not credited XX/XX/21 spoke with XXXX, then XXXX, acct still not credited XXXX, acct still not credited, XXXX 's still has mattress. 
XX/XX/21, no credit posted XX/XX/21 no credit posted XX/XX/21, claim closed, no credit poste, no explanation of reason??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a question with my cash app so naturally I thought that they had a customer service #. So I found a number that was associate with the Cash App name and Logo on XXXX and I called it the number is XXXX and this number is still available online. I called them and they told me that they needed me to log on to my android phone so I downloaded it. They logged on to my phone and gained access to my cash app and told me that they need to put in a code of numbers to correct the issue. They put in {$530.00} and sent it to XXXX XXXX. tag ID : $ XXXX then they put in the amount of {$770.00} to XXXX XXXX. tag ID : $ XXXX and another amount of {$870.00} also I questioned them repeatedly and they assured me that the money would return and that this was just a code. Then when the transactions completed they hung up. I called back and they went in my phone to try to cancel the transactions. I was robbed for {$2300.00} dollars and am struggling with bills and about to go crazy! How can a fake company use another company as big as Cash Apps name logo and be on XXXX to steal peoples money and not be taken down from the internet?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$500.00} by someone using a XXXX account my bank never notified me I dont know this person, I filed a dispute before the funds left my account in hopes to stop the bank from paying the money out to a charge I never authorized. The bank has been taking days to refund me my money but has charged me {$70.00} in over draft fees I feel like Im being robbed again first by the thieves who stole my money and second by the bank who is charging me fees still and I call each day and still no one in the fraud or disputes department has viewed my claim.

Company response to consumer: Closed with monetary relief