BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted three cases to the Consumer Financial Protection Bureau, regarding Trans Union repeatedly violated the FCRA 15 U.S.C. 1681i ( a ) ( 7 ). I have requested 8 separate times for Transunion to send me a valid method of verification bearing my signature for a disputed XXXX XXXX XXXX account. TransUnion has also failed to mark this account as disputed as federal law 15 U.S.C. 1681i ( c ) explains. They continue to violate federal law.

Here are the case numbers XX/XX/XXXX # XXXX XX/XX/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 2018-07-21
Company: R & B Corporation of Virginia
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:
Sometime last year in XX/XX/XXXX someone used my social security number to obtain cable but never paid for it and now its a XXXX $ collection debt in my name thats preventing me from being able to get a house. Over these past months I have been calling to try and get this off my credit since Im didnt create this debt and havent had no luck

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, My name is XXXX XXXX XXXX. 
I saw Citibank is giving {$1000.00} bonus to keep {$80000.00} in for 90 days. 
I borrowed {$80000.00} from XXXX XXXX, he is like a father to me, he knows me since before I was born. 
XXXX XXXX just recently sold a house in XXXX XXXX, XXXX XXXX to be exact. 
XXXX XXXX got a Cashier 's check for {$80000.00} from his bank, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
He made it out to me, XXXX XXXX XXXX. 
We both went to Citibank together at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I opened an account with XXXX XXXX, she is the bank employee that opens accounts. 
Two weeks later approx. I was told the account is frozen by the fraud department. 
I opened the account on XX/XX/2022. 
I have the photocopy of the cashier 's check that was deposited and processed by Citibank. 
Ever since then Citibank has been giving me the runaround and telling me the check is being sent back to ME, to my mail address. 
Then after more phone calls must have called XXXX0 times, Finally now around XX/XX/XXXX XXXX approx,. 
I was told on phone that Citibank is sending me a check. 
Then on XXXX XXXX they say, no check for me. 
They say the money has to be reclaimed by the sender. 
The sender tried to reclaim at his bank, XXXX XXXX .XXXX said not possible because it was paid to Citi Bank XXXX Citibank is holding the money. 
On XXXX. We went to Citibank and talked to manager. He gave me runaround, did not resolve. 
We went a week later to a Citibank in XXXX XXXX and talked to manager, he said the check was sent back to XXXX XXXX  In XXXX. 
BUT I have a XXXX statement that Citibank has my money in a XXXX XXXX account in the amount of {$78000.00}. 
The check was {$80000.00} and I withdrew some money before they froze the account. 
So how can they say that they sent back the check, if money has already been withdrawn from it. 
XXXX XXXX went to XXXX XXXX  again in XX/XX/XXXX to ask if there's money for him sitting somewhere that was sent back from Citibank. 
XXXX searched and said no money was received from Citibank. 

Please help me get my money back.

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 2017-06-29
Company: Experian Information Solutions Inc.
State: VA
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:
Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # 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 2023-07-22
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:
MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

ACCOUNTS : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 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.

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 2018-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've spoken with Navient multiple times about rectifying my account. The interest rate on all of my loans are are 6.8 or higher ; thus, my payments and amount owed rises by the day. In past times, Navient was not forthright about information concerning deferment and forbearance and what it would do to my account. I initially took out XXXX and now I owe XXXX and I just graduated in 2013. How did I jump XXXX over five years? Additionally, I am paying {$500.00} a month and it's not putting a dent in the overall amount at all. Navient has greedy/sneaky tenancies and that behavior is unacceptable. When I try to communicate with them about my concerns, they give me a vague answer, and never really assess my account or address the issues I have. I know something isn't right with my account and I feel stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: American First Finance, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. 
XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. 
XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. 

when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. 

We have all documentation from our bank and the emails from the supervisor of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted XXXX, XXXX, AND TRANSUNION about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
1 : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Back in XX/XX/XXXX I sent TransUnion a dispute letter asking for them to verify some negative items on my credit report from a higher standard than a computer generated inquiry, or third party association. I informed TransUnion, that if for any reason that they verify any of the disputed items as being accurate, that I want them to provide me the original documentation that I signed, pursuant Section 609 of the Fair Credit Reporting Act that states the creditors must provide the Credit Bureaus a copy of the original documentation. TransUnion received my dispute letter on the XX/XX/XXXX on a Friday, and has failed to respond within 30 days, therefore the items I disputed are unverifiable, and must be deleted. The proof is attached to my complaint.

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 2018-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian disputing items on my credit report XX/XX/XXXX. I asked for XXXX XXXX XXXX, partial account # XXXX, {$1300.00}, to be verified, documentation of verification provided or removed. It remained unchanged. In XX/XX/XXXX, I requested a copy of my report and credit score and noticed that the information for XXXX was changed. I tried to dispute it and Experian said it was updated.The information is not correct. Experian changed the information to show that this item was included in a XX/XX/XXXX discharged bankruptcy. The item was not reported until XX/XX/XXXX. Items in a discharged bankruptcy can not be added two years later. In addition, XXXX XXXX XXXX, partial acccount XXXX, shows as a separate line item with a late payment. This item was included in a bankruptcy. Since this item was included in a bankruptcy, it should not be listed as an additional negative item. Experian refuses to correct the stated information on both accounts and will not allow me to dispute the information online because they said it was updated. This is unethical reporting. Experian did not verify information because if it was verified, these errors would not be on it. I have worked hard to rebuild my credit and have paid off some debt and raised my credit score with XXXX and XXXX to XXXX and XXXX, respectively. My Experian credit score remains at XXXX because of this incorrect reporting. 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 non-monetary relief
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Hello, I am writing in response to the Equifax data breach. As an individual that has been impacted by the neglect of a corporation, I urge the CFPB to guide Equifax in removing the conflict of interests in their proposed solution. 

Equifax should pay for consumers to use another credit protection service other than their own service as a result of their negligence. I am not a current or former customer of Equifax, nor do I wish to use their services. However, I do wish to protect my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/2015 {$550.00}, XXXX XXXX XX/XX/2015 {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the closing process on our mortgage today (  XXXX / XXXX /   2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.

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 2018-10-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2018-07-20
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 the company below claimed I owed them ( 1 ) {$20.00} for a debt ( 1 ) {$30.00} for a debt ( 1 ) {$30.00} for a debt I asked them to send me proof I owed it to them. I asked them to verify and validate this so I could have a better understanding. I asked for a contract between them and I along with my signature and any agreement containing such.They said all they could send me was a receipt. They sent me a typed receipt that says " Paid In Full '' I asked them to show me a receipt with a transaction number and authorization to use any banking information or credit card containing my information. Since they didn't respond to me right away after asking for this information I submitted this same request to XXXX and XXXX. This company has yet to reach out to either company or me and produce what I asked for. 
I have never paid this company any money nor do I know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had {$58.00} and change into my bank account yesterday when I got off of work. My last transaction was at XXXX XXXX and I made a purchase for {$22.00} which my account had {$34.00} and some change in my account before I got to XXXX XXXX. I left my account at {$1.00} cents This morning I deposit {$98.00} in my Capital One checking account in capital one stole {$22.00}, when I already paid XXXX XXXX yesterday {$22.00} capital one has been stealing money out of my account and I want it rectified I want my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an old credit card debt that was sold to this Company. The amount owed is wrong. The date it was taken out is wrong. No one informed me it was going back on my report after tbe original creditor was removed from..my reports. This account is closed yet this co..is reporting it to be an open account

Company response to consumer: Closed with explanation