BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: OK
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: Billing dispute for services

Complaint:
Ive disputed a couple things on my credit report on XXXX XXXX XXXX and here it is XXXX and they still didnt removed it nor proved that it was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to Citibank. 

XXXX XXXX Bill of Sale XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: MN
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:
Since XXXX, I have continuously been a victim of identity THEFT. I have reported this to all three credit bureaus on a number of occasions. I contacted EQUIFAX on several occasions via CERTIFIED MAIL, their website, by FAX and by phone advising that I have no knowledge of the below accounts, I also requested VALIDATION of these remarks and never received validation. To date I still have frivolous accounts listed on my credit report as charge off and or as derogatory remarks. These allegation of having a charge offs or derogatory remarks on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character XXXX statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting. I am requesting that Transunion remove the below accounts from my credit profile IMMEDIATELY as this is a violation of FCRA and FDCPA. 
Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX  on my Experian Credit report has violated my rights. 



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

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations.

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a case debit card in the mail on the week of XX/XX/. 
Stating that I had a account and needed to activate my card so I called the number to see what was goin on they kept asking for my SS number and I wouldnt give it to them so they eventually keep me on hold for two hrs so I hung up and this week on XXXX I went in to a local chase bank branch and gave them my info they pulled up the account that has been opened with out my consent it has a XXXX Indiana phone number attached to it but my name SS number and address the only thing that didnt match was the phone numbers and they refused to close the account for me. Or give me any info on the person that opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2023-02-01
Company: Self Financial Inc.
State: CT
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan servicer was contacted multiple times ( by phone and by email ) regarding how loan payments are applied. My son and I are co-borrowers on his student loan. On XX/XX/2019 at XXXX XXXX, I spoke with an employee at University Accounting Service , LLC . ( UAS ), requesting that any additional payment above the monthly due amount on the account be applied to principle. Upon requesting a confirmation number, the UAS employee told me that no confirmation number is generated for this type of request. The latest statement that we received regarding this account indicated that the XXXX payment, posted on XX/XX/2019, was all applied to interest. UAS was asked to correct the XXXX transaction and ensure future payments are applied correctly. Upon receiving a statement dated XX/XX/2019, I realized that payments were not applied correctly and contacted UAS again. Their reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
Until the rest of the remaining balance of the interest is paid off, then the rest of the payments that you make, will be applied to the principal amount. As far as requesting that you make the loan a principal payment only loan, you would have to call in and request that to be done. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

So I contacted them yet again, requesting that this matter be corrected. Their second reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
As of today you have {$1000.00} of capitalized interest that has accrued on this account. Due to this being a line of credit and not a loan, there is no way to make a payment that applies directly toward the principle without satisfying the outstanding interest that has capitalized into the balance. That interest is now apart of your total balance and that total balance is now what the daily interest is accruing on and what has to be paid. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

As of today, this matter is still not resolved as UAS is refusing to correctly apply payment made above the payment due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a loan forbearance by Huntington Bank on XX/XX/20 for three months - XXXX, XXXX, and XXXX. I started making payments again in XXXX. Although I received confirmation from the mortgage department the end of XXXX I would receive a packet in the mail to sign authorizing an extension of my loan for the same duration, I haven't yet received documentation. Furthermore, I've receive weekly calls from XXXX requesting I call the bank immediately regarding thel loan. I've talked with the mortgage supervisor on XX/XX/20 at XXXX who assisted me to verify the debt letters I received weren't valid, as they use an automated system to generate letters. A month later, she also initiated a complaint on my behalf because calls and emails were still being sent to collect payment. Eventually, XXXX XXXX called me on XX/XX/20 to address my concerns and waive inspection fees of {$60.00} that accrued to date. He contacted an analyst to send me documentation to close out the loan forbearance on XX/XX/20 but I still haven't received documentation to date. I called him again on XX/XX/20 to inform him I still haven't received documentation. In addition, I'm still getting calls from the mortgage department and they've also have been calling my husband 's number asking for me. I told him I'm being harassed for nothing since I've been paying the mortgage since XXXX. I've called several times requesting to speak With a supervisor to no avail. I don't know what else to do because I'm being harassed for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bill I can not pay in full for the hospital. Harris and Harris collections keeps calling my parents house after I told them not to and ONLY communicate by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter stating I owed a past debt to XXXX for {$130.00}. 
# 1 ) We have never been contacted by XXXX of an open unpaid bill # 2 ) Our XXXX account is linked to a credit card so their can not be any open balance owed to XXXX. 
# 3 ) We checked our XXXX account and it has a zero balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.

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 2019-10-25
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My dealings with Discover Bank Online service started in XX/XX/XXXX through XXXX, realized my checking account in the amount of {$560.00} at Discover Bank has many unauthorized transactions of withdrawals and purchases dated from mentioned dates previously. A written statement disputes and police report has been filed on XXXX in order for Discover Bank to continue their investigation, a provisional credit has been honored in the amount of {$560.00} for the month of XXXX. Thereafter, Discover Bank has issued me a new debit card but with the same checking account number that is affiliated with my account which is the main checking account number in order for any type of transaction ( s ) to be issued against that account number. The reasons for these disputes of unauthorized transactions and purchases, person ( s ) has or still invaded my private premises without invite, therefore the person ( s ) has altered or counterfeited my personal information. This  activity is still on going for the month of XXXX as there was an unauthorized transaction of withdrawal from my account in the amount of {$340.00}, and yet Discover Bank does not want to honor me provisional credit as stating the transaction was valid on their end! As there is a conflict between I the consumer and Discover Bank Online as I have submitted supporting documents including police report for the same activity for unauthorized withdrawals. Please assist me on retrieving a provisional credit from Discover Bank as it is affection all angles of my financial living. 
Supported documentation has been submitted to Discover Bank and still no call backs or updates on honoring a provisional credit in the amount of {$340.00}. I also filed a complaint with XXXX reading unfair circumstances with financial institutions. 

Need further supported documents or information please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Account information incorrect

Complaint:
A collection popped up on my report and I disputed this with the creditor more than 30 days ago and they have not removed or responded to my dispute. XXXX has removed the collection and XXXX has as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello Consumer Financial Protection Bureau, Previously, I opened a claim with a complaint number : XXXX. To summarize what happened in the complaint, an unauthorized transaction posted on XX/XX/XXXX for - $ XXXX. On XX/XX/XXXX I was given a provisional credit of + $ XXXX. On XX/XX/XXXX, the claim closed and - $ XXXX was taken away. When it was taken away, it was labeled Other Debit. I appealed this decision and WON THE APPEAL. However, Citibank still refused to pay me back. 

On XX/XX/XXXX, Citibank responds to CFPB and states that they need more time to do the investigation. On XX/XX/XXXX, they conclude the investigation in my favor and sent a letter stating so. But since they never paid me back, I called and sent additional letters even after I won the appeal. 

Earlier today on XX/XX/XXXX, Citibank sends another letter that states : With regard to the {$1000.00} debit dated XX/XX/XXXX, we found that this debit is directly related to a request previously submitted using a debit card to fund your Citibank checking account ending with XXXX for {$1000.00}, which posted on XX/XX/XXXX. We received notification on XX/XX/XXXX, which indicated that a dispute had been filed by owner of the debit card used indicating that the funding transaction was unauthorized. 

THAT IS INCORRECT The transaction that posted on XX/XX/XXXX is a valid XXXX transaction from my XXXX account. On the Citibank notes it says XXXX Debit Card Balance Builder INTERNET XXXX. However, in the XXXX notes it says Quickpay With XXXX Payment To XXXX XXXX XXXX. I only made one transaction on the XX/XX/XXXX between those accounts and they match up. 

Somehow Citibank mislabeled the transaction of XXXX XXXX XXXX XXXX instead of XXXX payment. 

The transaction number for this is XXXX. 

I have also attached a screenshot ( in PDF format ) of the XXXX XXXX statement. It clearly shows a valid XXXX transaction that matches Citi. There was only one transaction that was made on XX/XX/XXXX. According to the letter sent to me, on XX/XX/XXXX, Citibank received notification that a dispute was filed by the owner ( which isnt true ). Because of this, the screenshot will show entries between the dates XX/XX/XXXX and XX/XX/XXXX. If this was true and was really notified, there should be some type of reversal credit back to XXXX account between XX/XX/XXXX and XX/XX/XXXX. 

Before the Other Debit was the reversal of the provisional credit. Now they are stating Other Debit was the reversal of an unauthorized transaction on XX/XX/XXXX. 

Please help me! 

Thank you! 

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2020-01-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice and I dont know who this company is or what this is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Experian Information Solutions Inc.
State: NC
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:
My credit report and credit score has suffered adversely because of the XXXX Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXX was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS XXXX DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by XXXX  RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against 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