BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

XXXX XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX by XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: T.S. Holdings
State: OK
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: Problem with personal statement of dispute

Complaint:
I worked for XXXX XXXX XXXX and also lived on property. I moved into the apartment in XX/XX/XXXX. I moved out of the apartment in XX/XX/XXXX. 
The carpet was damaged when I moved into the apartment and the manager wanted to replace it. I told her not to replace the carpet and we agreed that if she didnt replaced it, I wouldnt be charged upon move out. Unfortunately, she no longer worked there by the time I moved out and I was charged anyway. In XXXX of XXXX, XXXX XXXX XXXX turned over the account to XXXX XXXX, a collection agency. I told XXXX about the situation multiple times and the account has not been removed from my credit. I do have documentation showing the agreement made, on my move in/out inventory condition form. Even without this documentation though, the life span of carpet is typically 5 years. My carpet was older than 3 years when I moved in. I resided there for over 2 years. I shouldnt have been charged for a full carpet replacement at all. Although, I feel XXXX owes me money back for my deposit, that is not my main concern. I would like the account to be removed from my credit report and to be free and clear of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. 

I no longer live at the following addresses. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA 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 2021-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I used the Citizen 's Bank app to transfer {$1000.00} to my fiance in order to pay our monthly bills. Citizen 's Bank uses XXXX for this which is built into the app. When I tried to transfer the funds, I was told that the transaction failed and the money was not removed from my account. My fiance also received a notification saying that the transaction failed. I then transferred the money to my fiance through XXXX instead. 
However, the next day on XX/XX/XXXX the {$1000.00} was taken from my account by XXXX without ever informing me that it had done so or even asking for my permission to do so resulting in my account being overdrafted. In addition, despite the {$1000.00} being taken out it was never even sent to my fiance and so the {$1000.00} was simply gone. I immediately contacted Citizen 's Bank and filed a claim. It took over a week to get the {$1000.00} returned ( which was given to me on good faith from Citizen 's Bank, meaning that XXXX had not actually returned the money ). Despite the return of the {$1000.00}, this also caused {$250.00} in overdraft fees that have not been refunded despite it being caused by both Citizen 's Bank and XXXX. I've continually contacted both Citizen 's Bank and XXXX about this issue. XXXX has completely ignored me, telling me to talk to my bank to resolve the issue. Citizen 's Bank has continued to tell me they're looking into my claim ( which I was told would take 1-3 business days and was later told would take 7-10 business days ). It has now been 16 business days and I have not received the {$250.00} that was charged to my account due to their mistake and the only information I've received is that they are " looking into it '' despite it being long past the time I was told it would take to investigate the issue. The issue also has a very clear paper trail that I've well documented and so the investigation should not be taking this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I looked at my credit report and was shocked to see the numerous amounts of errors listed as a result of identity theft. Sent numerous letters to company and bureus. I never stayed at the address listed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX  XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XX/XX/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 2017-06-15
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Citi ThankYou Preferred Card, and I had not been using the card for a very long time. There was an unauthorized charge posted on my account on XX/XX/XXXX for {$14.00}. Since I was out of country at that time, I didn't receive the bill and was not aware of the charge at all ( since I did not use that card for years ). So after three  months and two unpaid bills ( the {$14.00} was the only charge on these bills besides interests and fees ), the bank closed my credit card account. At the same time they closed my ThankYou reward account associated with the credit card and forfeited over 120,000 reward points accumulated during the last ten years. After I come back home in XX/XX/XXXX, I noticed this issue and immediately contacted Citibank and the ThankYou reward program. I told them that the charge was made in error, I should not have any bill and my credit card should not be closed. I was told that the reward points would be recovered once my credit card was reactivated, and the credit card could be reactivated if the bill was paid. So I paid the bill in full immediately, filed the dispute with unauthorized charge, and ask for reactivating my credit card. The dispute was resolved in my favor on XX/XX/XXXX, however, my credit card has not been reactivated till now. I contacted Citibank several times and each time they simply asked me to submit an application for reactivation, and then declined my application because there was an unpaid bill. It is very ridiculous because the only unpaid bill was the {$14.00} charge, which has already been disputed. Now I my over {$120000.00} reward points are still taken away. I have been a Citibank credit card customer for more than 10 years and never had any problem before. I just dont understand why I was punished for something which is not my fault. I felt that I was treated unfairly probably because I am not a XXXX XXXX and I could not speak XXXX fluently? I just want to get my reward points back. Please help me with that. 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 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-02-17
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for six months from XX/XX/XXXX - XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and 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. 

I ENCLOSED A COPY FROM XXXX  REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.

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 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Ive continuously informed TRANSUNION that they are violating my consumer rights!!!! They are reporting unverifiable and unvalidated debt!!! This is in clear violation of the FCRA!!!! Ive informed TRANSUNION that they are committing a crime called Debt Parking by the FTC. Ive constantly instructed TRANSUNION to remove the inaccurate and derogatory information from my consumer file!!! They are reporting a charge off from XXXX  that cant be validated and a collection from XXXX XXXX XXXX  that can not be validated pursuant 15 usc 1692g and both derogatory accounts need to be removed immediately!!!! Ive submitted several disputes informing TRANSUNION of the inaccurate information and Ive instructed them in each letter sent by certified mail that they need to be removed! XXXX has removed the negative accounts so obviously they recognized that the law was being broken and TRANSUNION should too! TRANSUNION is in violation of several laws under the FCRA which include 15 usc 1692e ( false or misleading information ), 15 usc 1692f ( unfair practices ), and 1692d ( harassment and abuse ), and by doing so TRANSUNION is civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k. They are also reporting inaccurately on my XXXX  XXXX accounts. Theyve been informed that they are to remove all late payments but still report 3 missed payments as of today! Ive submitted documentation to them showing how XXXX is the only agency whos reporting correctly with zero missed payments and that they should comply with the law 15 usc 1681e ( b )! All information has to be 100 % correct or it needs to be removed!!!!! Ive provided a copy of the dispute letters sent to TRANSUNION. Ive also attached a copy of my identification so that TRANSUNION knows that it is me who is submitting this complaint!!! Ive also attached other supporting documentation such as my XXXX payment history and zero derogatory accounts and statements from the FTC about Debt Parking!!!

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 2021-07-06
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madam, I got a rate lock for a mortgage from Citibank after signing a purchase agreement for a property and they have since then added 0.75 points for the mortgage increasing my closing costs by {$4700.00}. Even after reminding them multiple times over the phone and email that a rate lock implies that both the rate and points remain fixed until the lock expiry, they have not yet agreed to remove the points and honor their initial terms. My closing date is XX/XX/XXXX and even though they say they are working on getting the terms back to the initial values I don't have faith that they intend to do it. 

Please find attached the initial rate lock document and the subsequent revised document they sent me. 

Thanks 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 2020-09-22
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards. 
During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX  card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX  I said cancel my card and the {$4600.00} was removed from my card which never received. 
In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager. 
Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy. 
Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me. 
Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days. 
I am at a point where I need a solution or a recommendation on a lawyer. 
I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing. 
This is affecting my life and I need this fixed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has not changed the status of my paid mortgage loan. Refinanced Home loan. Loan was paid off in XX/XX/2018. Still appears on Experian credit 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 2023-06-04
Company: Experian Information Solutions Inc.
State: MI
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 have requested documentation supporting late payments on my credit report and have the lender has not responded or removed the late payments

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 2022-08-30
Company: EQUIFAX, 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7400.00}, ( Original Creditor : XXXX ) XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation