BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a prequalified-to-apply mail from Citibank. On XXXX, I made a phone call to confirm that they will not ask for any type of citizenship or permanent residency documents, since I had heard from two other people that they have asked for those documents from foreign nationals with certain nationalities in the past. The operator replied to my inquiry as : " we will just ask about your nationality in your application and if not a citizen, a social security number, and a state ID or driving license would be fine in case we need to verify your identification. '' I submitted my online application the same day, and in a few days I received a letter from Citibank asking me to provide a US passport or a permanent residence card. When I called their customer service I've been told that for my case I have to visit a Citibank branch. Then the problem is that Citibank does not have any branches in the state of Hawaii, and the closest branch is XXXX miles away. They were only polite to say that we apologize if you called and you were mistakenly misinformed, and refused to remove the hard pull on my credit report. I also don't find it reasonable for a bank to advertise, sending mail offer, to the locations that they do not provide any local services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted dispute letters on XX/XX/, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NY
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:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with XXXX and Transunion. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to 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
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I currently have a mortgage with Wells Fargo. I recently applied to refinance the mortgage with another company. The company informed me that Wells Fargo is not reporting my mortgage payments to the credit bureau. I found this very odd and called Wells Fargo to inquire. I had a bankruptcy which was XXXX in XXXX and my mortgage was in the HAMP program from XXXX to XXXX. Since then each time I call Wells Fargo the automated system tells me that my loan is in bankruptcy. For the last 10 years I have asked them why the automated system still thinks my mortgage is in bankruptcy when it was excluded from the bankruptcy. Each time I was told from a Wells Fargo representative that it's because my mortgage was part of the HAMP program. Today ( XX/XX/XXXX ) when I called Wells Fargo and asked why they are not reporting my mortgage payments to the credit bureau, they stated it is because I never reaffirmed the mortgage during the bankruptcy. They also stated, this is something your lawyer should have done and they were not responsible to notify me at all. So for the last 10 years while making my payments on time or early, they reported nothing to the credit bureau nor did they take the time to look into my account when questioning the bankruptcy message I hear on the automated system. I had even worked with their mortgage team a few years back to lock in my interest rate as a part of the HAMP program and not once did anyone mention that none of my payments were being reported. A supervisor XXXX XXXX said it is not their responsibility to inform me or a part of managing the account. She also said their are no controls in place to inform a customer that their payments are not being reported. My mortgage today still has a bankruptcy status and with that status, they shouldn't even be talking to me. Shouldn't this sound an alarm or ring some bell to a customer service representative when I call them at least 6 times a year to ask questions. If they shouldn't have been talking to me, why were they? And if they shouldn't have been speaking with me, shouldn't they have sent me something in writing to correct the issue? Or inform me?? So for the last 10 years Wells Fargo has hurt my credit by mishandling my account and not informing me or the credit bureau of my payments. If I hadn't made the payments or was late, there are processes in place to inform me ; however, no process in place to help manage my account properly. XXXX XXXX said she would open a complaint however, could not provide me a complaint number for a few days ... and I would have to call her back to get the complaint number. Well that's really horrible customer service at it's finest.

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 2019-12-17
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Date ( s ) : XX/XX/XXXX and XX/XX/XXXX I recently had my Barclays Savings account closed on XX/XX/XXXX without my prior notification which led to a an interest charge of {$120.00} to my XXXX  XXXX credit card linked for auto-withdrawal. I notified Barclays of this issue and they have been unresponsive on why my account was closed on XX/XX/XXXX. I understand they have the right to close my account at any time per the terms and conditions but their timing led to an interest charge that would have not occurred if done earlier in the month or simply two days later. I spoke with Barclays representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she became very testy and angry with me when I requested to speak with a manager. I believe there is negligence on Barclays behalf on closing an account when there is a payment already in process that could incur financial detriment to their consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed 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 EQUIFAX 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 Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of my identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that I was not connected with the transaction ( s ) involving the identity theft. TRANSUNION has failed to follow these regulations set by the Federal government. TRANSUNION ALSO HAS RECEIVED PROOF OF MY IDENTITY AND ADDRESS VIA THE MAIL AND HAVE STILL YET TO UPDATE MY PERSONAL INFORMATION INCLUDING MY PHONE NUMBER AND ADDRESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.

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 2023-02-25
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2019-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: MECHANICS BANK
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS MESSAGE IS FOR A REGISTERED AGENT ONLY Today on XXXX MECHANICS BANK AUTO FINANCE threatened to harm my consumer credit report by reporting a late payment. Today I notified MECHANICS BANK AUTO FINANCE that there is a bill error pursuant to 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) Please provide all documentary evidence for clarification of who funded the account. 
Documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( D ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. 


Mechanics Bank can not report any alleged late payment in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If Mechanics Bank Auto reports late payments without meeting the requirements under XXXX U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account number XXXX Attached is an Affidavit, Exhibits, Cease and Desist, and Bill of Particulars to resolve this issue you must read and honor my CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: GA
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:
I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage on XX/XX/2019. The company said they issued a check on XX/XX/2019. I have called repeatedly to no avail. They said if I want a new check i would have to wait an additional 30 days. According to their website this is not a one time occurrence.

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