BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 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 2019-05-09
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX DOLLARS WAS TAKEN OUT OF MY CITIBANK ACCOUNT USING XXXX. I IMMEDIATELY NOTIFIED CITIBANK AND TOLD THEM NOT ONLY WAS THIS NO ME BUT I DO NOT HAVE AN ACCOUNT WITH XXXX FOR CITIBANK.THE PERSON I TALKED TO SENT A REPORT TO THE FRAUD DEPARTMENT AND PUT THE MKONEY BACK INTO MY ACCOUNT.AND TOLD ME I DID NOT NEED TO CLOSE ACCOUNT EVERYTHING WOULD BE TAKEN CARE OF. 

XXXX THE SAME PERSON TOOK OUT XXXX AND ANOTHER XXXX USING XXXX AGAIN. I PUT A HOLD ON THE ACCOUNT AND 2 DAYS LATER WENT TO THE BANK IN PERSON CLOSED THAT ACCOUNT AND OPENED ANOTHER ACCOUNT. THE BANK FILED ANOTHER REPORT WITH THE FRAUD DEPARTMENT, PUT MY MONEY INTO MY NEW ACCOUNT. 

NOW JUST THE OTHER DAY CITIBANK IS CALLING ME SAYING I HAVE A XXXX OVERDRAFT. MY 1ST ACCOUNT WAS NOT CLOSED AFTERALL AND THE SAME PERSON TOOK OUT ANOTHER XXXX THROUGH XXXX. 

ALL THE OTHER WITHDRAWLS WERE NOT PAYED THE XXXX, AND XXXX, WERE NOT PAYED OUT BUT THIS LAST WITHDRAWL WAS PAID. 

NOW I HAVE USED THE MONEY IN MY NEW ACCOUNT GOTTEN RID OF EVERYTHING FROM OLD ACCOUNT AND CITIBANK IS CALLING ME FOR A OVERDRAFT ON THE ACCOUNT I CLOSED. 

ACCORDING TO THEM THAT ACCOUNT WAS NOT CLOSED BECAUSE OF THE INVESTIGATION. I TOLD THEM TO FILE ANOTHER FRAUD. 

CITIBANK CALLS AND I WILL NOT TALK TO THEM. I GET TOO UPSET. I HAVE NEVER HAD THIS KIND OF PROBLEM WITH CITIBANK AND I USED THEM FOR OVER 15 YEARS. EVERYTIME I'VE TALKED TO SOMEONE, ITS LIKE THEY'RE EITHER HARD OF HEARING OR NOT LISTENING TO ME AND I'M TIRED OF THEM. SO I'M FILING WITH YOU THEN I TALK TO MY LAWYER. THEY HAVE TO UNDERSTAND ONE OF 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 2023-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a rental car on XXXX for a rental car with XXXXXXXX XXXX XXXX in XXXX, FL. When i returned the rental car i was overcharged for the rental car due to a mistake they made on their end. I talked to a manager she corrected the issue signed the receipt as proof. The extra charges were credited back to me and then months later they recharged my card. The first time my bank ( Fifth Third ) blocked the charge but when they tried a second time the charge went through. I put a dispute in with Fifth Third Bank but found out later that the person who set up the dispute set it up wrong and noted that the charge was a duplicate charge. Because they put the information in wrong about the charge being a duplicate charge they refused to dispute the charges. I contacted them again about it and found out they had two different claims open about the same incident. They opened up a new appeal on the claim but now they are saying that the charge can not be disputed because they received notice of the dispute more than 60 days after the the transaction. This is not true. Also i had a previous complaint with another claim where they seem to not find out the billing error even with all the proof available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 I opened an account with XXXX XXXX.I switched providers thinking everything was good with no money owed, I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

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 2019-05-09
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used XXXX XXXX for awhile, and it was a bundle for TV and Internet. The TV worked ok, but the internet was a total failure. After multiple service calls, each time, their technicians stated that the company 's cable in the street was old and worn out, unable to provide reliable internet. They also stated that the company is not willing to repair or replace the cables due to the expense. I cancelled both TV and the internet, since it was a bundle deal. They claimed I owed them a cancellation fee for internet they were unable to provide. I disputed the claim in writing, stated all the facts, and they continued to want a fee. 

They used a collection agency, and I disputed the debt with the credit agency, XXXX. XXXX found in my favor and removed the debt from my record. A short time later, the collection popped up again, this time under the name of a different company, AFNI. I disputed it again, and XXXX again, within a few minutes, found in my favor. 

I still get calls from AFNI, under different phone numbers. It seems that whenever XXXX is on the wrong side of a dispute, they just file a new credit collection under another name, trying to harass people into paying what they do not owe. 

XXXX breached the contract by failing to provide the service they promised, yet still think they can harass people to what they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

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

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone fraudulently was able to have a new debit card sent out on my checking account and also did a change of address in my name at my home ( unknown to me at the time ) and used debit card to get cash out at an ATM 6 times at a bank approximately 9hrs from where I live. I noticed the charges a coupe of days after and called the bank. They canceled that card. Apparently after it being canceled, that person tried using it again. I had the USPS do an investigation on my mail and found someone had forwarded my mail down to an address in Florida ( close to where the atm withdrawals were done ) which explains how they got the atm card. The bank will not refund these charges. They total {$2300.00} all together with the atm fees. I have provided proof of the fraudulent activity and still they will not refund my money.

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 2020-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: OneMain Finance Corporation
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late

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 2023-05-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I contacted Experian to have them remove a duplicate mortgage loan on my account. I pay my mortgage directly to XXXX but XXXX is listed as a new mortgage account. This is affecting my debt to income ratio as my mortgage is only {$150000.00} as of XX/XX/XXXX. It is illegal to have a debt listed twice under 2 different companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received multiple student loans under Navient from XXXX XXXX XXXX XXXX in XXXX for their XXXX  program. However, in XXXX the school was shut down and I was unable to finish their program to get certified and was left to pay off the debt of {$30000.00}. These types of schools are prey on low income community members to incur big debts and no certifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I secured a loan for a home that I purchased. XXXX XXXX XXXX XXXX. Loan amount {$75000.00}, Purchase price {$97000.00} appraisal value. The loan was sold to CITIZENS ONE, with a balance of {$75000.00} on XX/XX/2019. I received my first mortgage statement, and they are charging me PMI. I contacted CITIZENS ONE, multiple times and they 1st responded that I was not under 80 % ltv, to remove the PMI ( they finally used a calculator ), then on a second response stated I need to be under 70 % ltv. ( loan to value ) I have spent thousands on updates and the current appraisal is {$110000.00}. CITIZENS ONE is still charging me PMI. I've never missed a payment, and I make the payment due, 2 weeks in advance, and now @ 63 % LTV. CITIZENS ONE IS UNLAWFULLY CHARGING ME PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash App My Debit Card from XXXX XXXX XXXX was stolen. The their used the card to make numerous unauthorized purchases within hours None of the retailers checked for ID allowing the thief to use over {$1200.00} with a POS attended checkout. 
The stolen debit card was linked to my CashApp account. On XX/XX/2021 I received my first online paymrent. Within minutes my passcode was changed and a payment was completed by me for {$200.00}. I did not initiate the change or payment yet with overwhelming evidence, Cash App refused to reverse the payment. There is now way to contact them directly. Each time I tried to address the issue, I had to review the entire situation with a totally different and uninformed agent who had no idea what I was referring to or even my documented account info. CashApp still decided that I had no evidence and initiated the payment. They will not even consider reviewing the case again after the thief contacted me and had details no person should have had, gave me contact Information - still no budging and no assistance. I also have several witnesses Cash App has allowed themselves protection and not provided any for me They refuse to actually research and attempt to reimburse victims of the customer they promise. 
Attached receipts, logs and journal screen hots

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Prior to XX/XX/XXXX, I have sent letters requesting that Transunion send me their method of verification as to how the public record ( Chapter XXXX Bankruptcy ) was verified and to provide me proof of the signed petition. Transunion has failed to provide me with this information and continues to send me letters with the response that the public record is verified and accurate and it was verified by USBK COURT XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. 
I contacted the court at the contact number listed above and they stated per the Fair Credit Reporting Act, they do not report or furnish information about bankruptcies to Credit Bureaus and third parties. 

For XXXX XXXX, I have disputed errors on this account in XXXX, XXXX, and XXXX XXXX. The following discrepancies continue to report ( Date of last activity shows XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX  but XX/XX/XXXX on 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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I spoke to two reps and a supervisor on XX/XX/XXXX with Transunion and was advised that they received my dispute XX/XX/XXXX, however they did not update my information or forward the information I provided to the appropriate department. They did not know why it was not worked on or updated when they received it.

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 2022-12-01
Company: EQUIFAX, INC.
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:
Equifax is doing fraud to my credit report and dont want to remove inquiries and accounts thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from Portfolio Recovery Associates, LLC, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my XX/XX/XXXX report. I disputed the item with both XXXX and XX/XX/XXXX I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XX/XX/XXXX unlawfully combined my credit report into 2 different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to XX/XX/XXXXand Transunion requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XX/XX/XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XX/XX/XXXX and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation