BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 notified TransUnion that XXXX XXXX  was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX XXXX  that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX XXXX  has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, XXXX XXXX  also signed off agreeing to everything I just typed. We feel the attorneys representing XXXX XXXX  is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at XXXX they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified Transunion of the error in reporting our mortgage status and within 1 hour I was notified by TransUnion that they deleted the trade line from our credit bureau. Now it appears that if you ran our TransUnion Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.

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 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
XXXX XXXX XXXX is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.

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 2020-11-25
Company: CITIBANK, N.A.
State: FL
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 opened two disputes with Citi Bank. 

Dispute XXXX for the amount of {$670.00} was opened earlier this year and closed in XXXX. I was sent a letter and issued permanent credit. Then yesterday while checking my account balance I see a letter sent to me ( by regular mail, no email notification which I'm signed up for ), indicating Citi decided to re-open the dispute and rebill me for it. Just because they wanted. Even though the dispute had been previously closed. In the letter provided, at the end it states if I have any questions to call XXXX XXXX at XXXX and when I called, there was a pre-recorded message by her stating she won't be checking her messages. 

Dispute XXXX for the amount of {$230.00} was closed in XX/XX/XXXX, permanent credit was given and a letter was sent to me. Then on XX/XX/2020 Citi again decided to re-open the dispute after their investigation period had passed and after I was told I was right and the dispute had been closed. 

I've always had great experiences with Citi Bank and my XXXX card is my everyday card. I swear by that card and when I travel I feel safe when I have it with me. All this to say that the way in which Citi is handling this is not reflective of the great customer service and customer advocacy I'm used to. I sincerely expect Citi bank can correct this wrong.

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 2023-01-19
Company: EQUIFAX, INC.
State: NY
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've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and XXXX authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraud branch withdrawal first transaction Cash withdrawal {$3800.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXX XXXX  2nd transaction cash withdrawal {$2000.00}. On XXXX at XXXX #  XXXX teller XXXX XXXX XXXXXXXX XXXXXXXX XXXX  I have reported this to the Bank ( CITIBANK ) several times but Im not getting a clear answer.its been one month and a half These transactions were processed in XXXX  and I reside in 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 2022-08-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different American Express accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and XXXX XXXX credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello My loan origination date was XX/XX/2004 my original loan amount was XXXX I don't understand why I still owe so much on my home. My loan was supposed to be a 30 year home loan. I am looking at my account with Midland Mortgage and it shows my maturity date asXX/XX/2050. I have never refinanced my home. I just want some answers as to my the payments I have made over the last 17 years have only went to the interest on the loan. I believe the balance on my mortgage should be significantly lower.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2021-06-01
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The only time I know of the debt was when it showed up on my credit as collections. I have never contacted the company to open any line of credit. I have never received a statement that would have alerted me that an account was opened. This is all fraudulent and needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I opened a checking account with Suntrust ( now Truist ) at a branch location in XXXX, Georgia and deposited a check for {$2500.00} from XXXX XXXX, XXXX made out to me. 

On XX/XX/2020, I received confirmation that {$2500.00} was transferred from XXXX XXXX to my Suntrust account. 

On XX/XX/2020 I tried to check my account online but was denied access to the account. I called Suntrust and was informed that the money was debited and would be refunded to me 15 days after the account was closed. The customer service agent confirmed my address for the refund check. I did not receive a refund check within 15 days. 

On XX/XX/2020 I spoke with another Suntrust representative who told me the check was issued and sent to my residence but would not confirm the address. I did not receive the check. 

On XX/XX/2020 I met with a Suntrust XXXX XXXX ( XXXX, GA ) customer representative and inquired what was going on and how to recover the money. They now informed me that the account was closed due to fraud and that the money would only be released through " reclamation. '' They would not provide any reason as to why fraud was suspected. 

On XX/XX/2020, I spoke with XXXX in Suntrust 's Fraud Division. She was also unable to provide any information as to why my account was closed or where the money was. She then informed me that Suntrust would need to remit the funds to XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). She suggested that I contact XXXX XXXX and have them instruct XXXX XXXX to request a reclamation of the original check to speed up the process. She also stated that Suntrust was still investigating the account and could not provide a timeframe for resolution. I do not understand why Suntrust would freeze my account if they are still investigating potential fraud, as they claim, and have not made a determination that there is fraud. 

I spoke with XXXX and she requested XXXX XXXX request a reclamation. XXXX XXXX informed me that the reclamation was processed on XX/XX/2020. However, to this day, XXXX XXXX bank still has not received the money from Suntrust. To this day, I still do not have my {$2500.00} or any answers from Suntrust. 

I am a retiree and I am sorely disappointed in the lack of transparency and information about this process. As a retiree, I am living on a budget. While {$2500.00} may not be a large sum to many, it is a significant amount for someone in my position. 

I would like an answer and I would like my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX. XX/XX/2023 I received text alert from XXXX regarding a deposit from someone i dont know. I imediately call My bank PNC. They advised me i have to wait until the transaction posts to return it, because it is XXXX. under pending. The bank would have the person who XXXX me info, i dont know the person so i can not reach out. Monday still pending, tuesday morning i try to send it back i get alert " service unavailable call PNC ''. I was then notified by PNC i have no access to use XXXX they reserve the right, i have no access to online banking, my direct deposit my money in frozen the investigation can take up to 30 days. My kid has XXXX and XXXX, im a XXXX XXXX  XXXX with no access to my money. This is illegal. How can thet just do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Bridgecrest Acceptance Corporation
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: Account information incorrect

Complaint:
My account with Bridgecrest was paid in full and closed on XXXX with a perfect payment history. I have disputed the inaccurate information that Bridgecrest is reporting to XXXX, XXXX and XXXX. Both XXXX and XXXX dispute results stated that Bridgrecrest replied that there information was reporting accurately on XXXX with a balance due of {$26000.00}. This is a violation of the FCRA as Bridgecrest is clearly reporting inaccurate information. I have proof that Bridgecrest received the full payoff amount on XXXX, in fact Bridgecrest owes me a small refund. I send an email to Bridgrest requesting that they correct there inaccurate reporting to the credit bureaus and they basically said to go kick tires. Something needs to be done to ensure accurate information is being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
XXXX is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.

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 2023-01-19
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX through Cavalry SPV I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-09-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!

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