BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I CLOSED my checking/savings account with Citizens Bank XXXX 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX  {$5.00} from my closed account. Because the account was closed there were no funds to complete this transaction resulting in Citizens Bank charging me {$81.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account again. Because the account was closed there were no funds to complete this transaction again resulting in Citizens Bank charging me {$91.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank sent me a letter stating the Reason for Returns. You gave the company permission to debit your account but revoked authorization before the debit took place. 

I called Citizens Bank and spoke to a customer service representative who proceeded to tell me that they reopened my account and paid the funds twice on my behalf and proceed to charge me with over draft fees. 

I was unable to resolve this situation to my satisfaction with Citizens Bank. 

On XXXX I received a letter from Citizens Bank stating that they were closing my account because they have not received a full deposit to bring the account current and have sent me to Citizens Bank Collections .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10
Company: EQUIFAX, 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:
I have contacted XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX  case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2019-12-10
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.

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 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
On XXXX XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XXXX XXXX which took care of what I was past due prevously. I told him that I could go in on the XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a consumer dispute letter disputing the " Incompleteness '' and " Maximum Possible Accuracy '' of XXXX and TRANSUNION reporting of my consumer information. I discovered that their reporting of my consumer information violates section 15 U.S.C 1681S-2 " Rule of Construction '' and " Maximum Possible Accuracy '' because it does NOT comply with the " Rule of Construction ''. These violations has caused me damages. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX DATE OPENED : XX/XX/XXXX TRANSUNION DATE OPENED : XX/XX/XXXX XXXX  DATE LAST REPORTED : XX/XX/XXXX TRANSUNION DATE LAST REPORTED : XX/XX/XXXX XXXX  DATE LAST ACTIVE : XX/XX/XXXX TRANSUNION DATE LAST ACTIVE : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2019-03-28
Company: Northstar Location Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is claiming i owe XXXX when i returned all the equipment to them. I have written them and spoken to them in the past before they send out a dunning letter, but they still claim i owe them money. They have no responded back to a letter i sent to them and they did not send back any of the information i have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
I'm worried that the credit report investigation you did recently might not be accurate. I asked for this investigation because I thought the things on my report were wrong. Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I received a letter saying those things were checked and found to be correct. I need to understand how your team did the investigation and made sure they were right. Please explain : How did you decide that the things reported were legal? What documents did you use to do the investigation? Can you share all the information you sent to the company that gave you the data? How much did it cost to get those documents? Can you show proof that you got the documents on time? Did you talk to the company that reported the information to confirm it was accurate? If you did, who did you talk to, when, for how long, and what's their job? Can I have their phone number? What's the name and job of your employee who talked to them? How long have they worked for you? Did your employee get special training? Did you exchange emails or written messages? Can you give me all the proof that you really looked into this? When did the problems with my credit start? When will they stop showing on my report? I also need a paper that's signed by a notary to confirm this information, as I have the right to ask for. It's important that your response is different from anything else. If you can't follow the time limits set by the law, then please remove the wrong information. It's hurting my credit and my well-being.

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 2023-07-11
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-25
Company: Bread Financial 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:
There are several recent credit inquiries within the time that my driver 's license was stolen. I have been a victim of identity theft and ever since 2022 I have had credit inquiries that were not initiated by myself. I had an issue with a high number of credit inquiries on my credit report that I have never completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, Pentagon FCU, XXXX XXXX or 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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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've had XXXX XXXX XXXX XXXX account # XXXX. This account has negatively impacted my credit report for nearly 7 years. I have attached several documentations that will point out. The 5 inaccuracies in relation to this account. 
1 ) I came to find that there are two different accounts being reported to TransUnion. 
2 ) There are two different ( One Positive - One Negative ) payment status being reported by XXXX and TransUnion. 
3 ) I noticed that there are two completely different account open dates. 
4 ) There are two different Balance amounts being reported by XXXX and TransUnion. 
5 ) I noticed that there are two separate account numbers being reported by XXXX and TransUnion. 

Please see the attached screenshots I've managed to attach to this complaint. Those documents will confirm my findings with account # XXXX. 

Respectfully, 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 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
reporting inaccurate and incomplete credit information.

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 2019-12-10
Company: CASHCALL, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Cash Call constantly harasses me and my husband. They leave messages threatening to come to our place of employment and speak with a supervisor. The use terminology which includes the word federal summons frequently. They have never sent anything on paper through the mail but they call every day from different numbers and unknown numbers. One of their representatives told me the sheriff would be at my husbands job the next day to arrest him. 
We took a loan online through XXXX XXXX about 10 years ago. We paid and paid but the balance just kept getting bigger so we gave up. There was no way to ever pay it off. I contacted the Attorney Generals office years ago and when I told them about the situation I was told the loan violated lending practices. I informed Cash Call of that and they stopped calling me for years but they are back again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to Experian several times about the inaccurate and abusive reporting they are currently doing on my account. The account DEPT OF EDXXXX is inaccurately and improperly reporting on my credit with experian as opened when it should be closed just as they closed the duplicates of it. Instead they have changed the name, the balance and put payment dates on this account when I have not paid anything else on this account since last year because it is closed. 

I am positive experian is not using a human or truly investigating my disputes because the last dispute experian started the investigation on XX/XX/2023 and it was verified and completed on XX/XX/2023. The account should be closed and deleted. Experian has not responded back to you with my dispute results as closed. Its some fraudulent activities going on and I am keeping tabs on the back and forth and will not stop. I actually mailed this same information in to them as well today. 

Please help experian get this resolved. This is a violation of my consumer credit rights on so many levels.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 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