BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi had a promotion, where I would open 2 accounts ( checking and savings ), fund with $ XXXX in 30 days, hold $ XXXX in either checking or savings for 60 days and wait for 90 days, and have a direct deposit, I would have {$400.00} dollar promotion. 

Here are the facts : 1 ) I applied for the account on XX/XX/XXXX. 

2 ) I funded the checking with $ XXXX on XX/XX/XXXX with external money. 

3 ) I transferred the $ XXXX from my Citi checking to my Citi savings on XX/XX/XXXX. 

4 ) I held the $ XXXX as an aggregate in the checking and savings for at least 60 days, and waited 90 days. 

5 ) I had a chat with their Customer Service Representative on XX/XX/XXXX, they said I fulfilled the requirements and will get the bonus promotion, wait till Fri XX/XX/XXXX for payment. 

6 ) I had a phone call with a representative XX/XX/XXXX, the first CSR was incorrect in saying I funded on XX/XX/XXXX, it was escalated to a supervisor who then reviewed the account and said I was correct, the promotion terms were fulfilled. I should get payment within 40 days. 

7 ) I received a letter on XX/XX/XXXX saying I will not be getting the promotion because : " Open a new Checking account and Citi Savings account in Citi Bank Account Package by XX/XX/XXXX. '' and " Unfortunately, your account does not qualify for this promotion because checking account not opened within the stated time frame. '' Rebuttal to # 7 - It says open by XX/XX/XXXX, yet I opened it on XX/XX/XXXX, which is it? 

I asked CFPB to investigate Citi for their deceptive practices, fraudulent stonewalling, and incorrect letter.

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 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Ive did prequalified applications and also did a prequalify for Capital one auto loan which always deny me and tell me my credit wasnt pulled because I have current or negative accounts with them. I can never get to the bottom line. Talked to customer service and she said she would send a request to the research department regarding this. Still no answer or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LexisNexis is reporting an accident on my insurance report that took place in XXXX. In XXXX, I discovered this information when switching insurance companies. I was not involved in the accident. I was not in the vehicle, the vehicle was not in my name, I was not even in the city it took place in. I disputed the information, sent in the documents and received a letter from LexisNexis that it was removed. Now, 3 years later, I am looking into changing my insurance company again and this accident is showing back up on LexisNexis ' reports. This is holding my insurance premiums XXXX and puts a mark on my record for an accident that I was in no way involved in. I have been trying to get through to them for days with no success. They are reporting information that was disputed and proven to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 2018-08-29
Company: EQUIFAX, INC.
State: MO
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:
I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against XXXX. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XXXX XXXX, 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that XXXX  provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. XXXX  has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. XXXX  continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX  to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft, my personal information was used by thiefs to open fraudulent accounts ... After filling FTC identity theft report with Federal Trade Commission i have sent a Request to Equifax to block fraudulent accounts from my credit report under FCRA 605B. My Request letter was sent on XX/XX/2019 Via Usps Certified mail and received by Equifax in XX/XX/2019. In said request letter i have enclosed Copy of my FTC identity theft report, proof of identity, copy of Credit report and copy of Fair Credit reporting Act Section 605B. As per FCRA 605b credit reporting agency is required to block fraudulent accounts from my credit file in 4 business days after receiving my request. As of today XX/XX/2019 fraudulent accounts are still on my report and are not blocked. 
Please see the Copy of my request along with required documents sent to Equifax attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. 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  XXXXXXXX XXXX Balance : {$440.00} ; XXXX  XXXXXXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX  Balance : {$2800.00}.

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 2021-12-24
Company: American Coradius International LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sent me a collection debt notice, it is fruad. I dont have credit with XXXX  pay. And now I have a debt owe to XXXX. Its fruad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I had a friend ask me to co-sign a loan for her. I agreed to do so and provided my information to her to start the process ; this was in XX/XX/2005. The amount she asked me to co sign for her was {$5000.00}. I did not find out until later, that the my friend had signed my name ( as suggested by the school she was attending ) as the primary borrower on the promissory note. I never signed the promissory note as a primary borrower or co signer. I also never received nor cashed the check. Im unsure if the check even had my name listed as a payee or hers ; I have never seen it. I was out of the country at the time when the check was disbursed. My friend at the time, had a third party ( her boyfriend ) deposit/cash the check in his account. I never saw the check and a copy of the check was never provided to me even upon request. I was not made aware of what my friend had done until I began receiving past due notices and after requesting a copy of the promissory note. I also notified the loan services who was Sallie Mae at the time. They told me I had no recourse and I had to pay. This back and forth with them and her went on for years ultimately with me refusing to pay another dime toward the loan. Eventually they ( Sallie Mae, now Navient ) provided me with a fraud packet which I completed and returned to them. They stated our signatures were similar enough and I provided her with the information so I was responsible even though I never signed any documents. They also would not reopen the fraud case until I provided them with a letter from my friend admitting the fraud. During the course of their investigation they never once spoke to her ( this was relayed to me by the investigator ). Also, Navient stated they would report to the credit bureaus completed investigation of FCRA dispute-consumer disagrees. They have only reported the loan as delinquent. I receive multiple calls a day all week long, threatening default regarding the loan, requesting payment, to verify my payment information, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants placed a collection for XXXX XXXX XXXX on my credit that does belong to me. They had no record or proof that my name was associated with the collection. These people are ruining hardworking individuals lives by placing fraudulent accounts on your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When I was in school my dad helped me apply for a loan. His friend was able to be my co-signer at the time. Once I graduated, my consigner began to harass me and bully me into releasing him from my loan. I tried to reach out to the company to make it happen but they said that I would have to wait 12 months before applying. Last month my co-signer sent me an email requiring me to remove him as my co-signer by XXXX because he is moving to XXXX and will not contact me. I told him that I have to wait 12 months and he became very angry with me and my family. I have been BEGGING the company to remove him or at least replace him with my dad ( who has offered to do so ) because of the constant harassment I am facing. I don't understand. I have been with this company for years and have always paid on time or told them if I loss my job and need to lower payment. I have a well-paying job and have autopay. Why can't they not ( just this once ) refrain from using their process and help me in a time of need and abuse. I am literally being mentally and emotionally abused by this person and need to remove him before something happens. I am begging my company to just do the right thing since he is moving to another country and won't even help me if something went wrong. Why won't they help me. That is why I have to each out to consumer finance for HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2021-03-26
Company: Meade & Associates, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2021-03-04
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest Credit Systems. There is nothing showing on my credit score for anything owed or any defaults. I have recieved no written communication. They call at least three times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
The wrong name and date of birth is reporting from all three bureaus my correct information is not showing up

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 2022-03-21
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$1500.00} payday loan from CashNetusa. I've made the following payments totaling : {$1000.00} : The balance on the account is {$970.00}. This is a scam. 

XX/XX/2022 Automatic Payment ACH {$260.00} XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Section 605B of the FCRA allows for consumers to submit a block report to all credit reporting agencies if you have been a victim of identify theft. I am a victim of ID theft and this block request is submitted per section 605B and I ask that the CFPB help me enforce this statute upon the credit reporting agencies.

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