BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am unable to access the funds in my account and have requested to close my account, however I am told that I have to contact the state agency. Unfortunately I can not contact the state agency due to a lack of available assistance.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different 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 explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.

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 2019-09-15
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On my mortgage statements I am being charged {$20.00} every month for property inspection. I live in my home and we are behind on mortgage payments due to a reduction in income that started in XXXX of 2019. We did call for help but did not get any from our lender. They charged another property inspection fee again this month. That is an additional {$60.00} so far. This is unfair when I live in my home. We are in the process of trying to make two mortgage payments each month till we catch up in XXXX. I have cashed out a retirement fund to catch up and will receive the funds the beginning for XXXX. We were not aware of these charges and will not pay 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 2020-07-22
Company: First National Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a PO Box in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX/XXXX/2021, I received a TDBank Equity Loan approval letter indicating 5.890 % interest rate. 

On XXXX/XXXX/2021, I received paperwork indicating 7.99 % interest rate. 

I spoke to XXXX XXXX, loan coordinator and he stated that he was sorry for not mentioning the information and it is because of the appraisal being lower than projected. 
I asked where that possible interest rate change was mentioned in any of the paperwork. He stated there is no documentation mentioning this possible change in interest rate. 
I spoke with TD supervisor, XXXX XXXX XXXX. I explained my concern that the interest rate went up drastically 2.1 % without notice. She stated it was the appraisal and that the 5.890 % should not have been quoted in the paperwork and nothing can be changed. 

This is a clear case of bait and switch. 
I needed to do through the closing because I have to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXXL XXXXXXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXCE-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-04
Company: EQUIFAX, INC.
State: MS
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is against Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I have attempted twice sending out dispute letters via certified mail to Portfolio Recovery Associates LLC. on XX/XX/2018 andXX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$800.00} account # XXXX. At this time Portfolio Recovery Assoc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX. I have not gotten a response from them with proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XX/XX/XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.

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 2020-07-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My, Business-credit, report, with ; equifaxXXXX XXXX , ga ; has 3-fraudulent, credit cards, open & in-gd standing, on my report. They ARE NOT mine! I have done, 1 round of disputes, with them. Im working on a 2nd. Also ; they will not, tell-or-disclose 2me, the customer & business-owner ; the names & addreses, of the creditor, merchant, the company issuing the cards ; billing addresses, etc. I can not even, defend, myself ; against, 3, card accounts ; that are listed there. I dont know who they are ; who the banks, or, companies are. I have ; {$5000.00}, in debt, against my XXXX, in, MI ; ( XXXX ). Its not, mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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 sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than XXXX days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I have attached an FTC report with a collection and inquiries I did not authorize and they are fraudulent please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: IN
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 the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Navient on numerous occasions back in XX/XX/2023 that I had lost my job and was unable to make the XX/XX/XXXX payment. I requested non-payment until employment, but no help was received. I contacted Navient in XXXX and told them I had a job interview and would notify them of the outcome, but I didn't get the job. I now have a prospect and will start the position in XX/XX/2023. I have asked Navient to stop with the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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. 

The letters are stated with items and issues. 

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
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These date I tried to get the original contract, but they ca n't provide anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.

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 2021-12-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation