BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past XXXX years I have been disputing this bankruptcy on my credit report. I was a victim of fraud and have requested investigations. XXXX, Transunion and XXXX did there investigation. When i asked for a reinvestigation, only XXXX actually reinvestigated. XXXX did reinvestigation and removed the bankruptcy. Transuion and XXXX both have not reinvestigated. They show an old date of investigating but has not actuallly reinvestigated after me providing proof that XXXX removed the incorrect information from my account. All information is supposed to be 100 % true before reporting on my credit report. I also wrote to the court house and was given a letter stating that the court house does not report to credit reporting agencies and i sent the letter to all credit reporting agencies. Even after reporting fraud and requesting a reinvestigation, XXXX and Transunion are still showing an old investigation date on my credit report, after knowing fraud has happened to me. 
I have kept records of you not actually reinvestigating. Ive provided proof of fraud, proof that XXXX has removed the bankruptcy because they actually reinvestigated. 
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 15 USC 1681. 
Account name : # XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
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 a 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.

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 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am in the process of closing one of my accounts with Bank of America ( BA ), because I was not happy with how they at BA handled my funds in the past. This account that I just mentioned is the account in which I had my payroll earning directly deposited until the end of XXXX. As I previously stated my plan was to close the account so I started by diverting my earnings to a new account with a different institution.. The transition brought some unfortunate problems with online transactions that were persistently rerouted to BA, these I resolved with BA representatives over the telephone. I kept the account open with a low balance. At the beginning of XXXX I thought to be proactive and to keep more money in the said BA account, just to wrap up some financial things at the end of this year. I decided to deposit {$600.00} of my earnings into BA. I wrote a check in that amount to " self '' to be drawn from the new bank where my direct deposit from payroll currently goes. This happened on XX/XX/2019 at the BA ATM on XXXX XXXX in XXXX Texas at XXXX. The receipt indicated a hold on the funds till XX/XX/2019 at XXXX XXXX. I verified that the {$600.00} had cleared the bank where the check is from and that happened on XX/XX/2019. I Have tried to understand why BA would take {$600.00} of my earning totally out of my reach ; the money is out of the account of origination and it is not in my BA account. I was told that they did it because they have the " right ''. I am still trying to wrap my head around this : what about my rights and free access to my earnings? I work 40 hours a week and have put in over time to earn extra for the holidays. How can BA be given the right to hold money of a hard working person in limbo, while I don't owe them any thing.

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 2023-09-14
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I closed my Citibank account after 33 years. 

In the morning of XX/XX/XXXX, I received a bill from a vendor through email, then signed onto the Citibank app to pay the bill using XXXX. Instead, the words Access Blocked appeared over the basic checking account information. After four phone calls to Citibank, I was informed that my joint account of 33 years had insufficient KYC data re : my wife, the account co-holder. 

My wife received exactly zero requests from Citibank for the information no emails, no phone calls, no textmsgs, no hard copy mailings. Rather, Citibank simply froze our assets held at Citibank. 

While the Citibank checking account played a small economic part in our financial picture, it played a very important one XXXX it was a facilitation account to keep vendors paid regularly. Ensuring that people are treated fairly and that I pay bills on a timely basis is very important to me. 

Over the following two days and more than four hours on the phone with Citibank representatives, the block was lifted. 

It is true that collecting XXXX information is critical for XXXX and that banking institutions need latitude to ensure the integrity of their banking relationships. Its also true that fair and reasonable notice should be given to customers to ensure customers have the opportunity to provide the information prior to an asset freeze. During one of the several phone calls to Citibank, the representative indicated that Citibank reaches out to people prior to freezing assets. Not true in our case and it often may not be true. I am not seeking monetary damages ; rather ensuring Citibank provide fair and reasonable notice to customers and that regulatory rules be enacted and enforced to ensure they do so. 

More than highly frustrating, this type of incident reinforces the American publics underlying concern of the US banking system and undermines the integrity of fairly doing business in the United States. Until only recently, my concerns were limited to actions of cyber-criminals and market-driven bank-runs. Now I am more concerned about the actions of the very institutions entrusted to protect our money and livelihood.

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 2016-04-26
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: PA
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:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CBC Companies, 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:
Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX-1345 Employers XXXX XXXX XXXX XXXX XXXX XXXX correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now XXXX  : same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was asked to send a bunch of documents to Capital One for fraud protection. This went on for almost two months with them asking for more and more documents each time I sent some. I painstakingly sent all they asked and they closed my account without an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I never gave permission for my loan to be sold to Mr. Cooper/Nationstar. Unfortunately, I hear it's totally legal. Anyways, their company is TERRIBLE. 

On my first mortgage payment, they took double what I owed, on the XX/XX/2021 and XX/XX/2021. I've been trying to get it back unsuccessfully for XXXX weeks now. As a result, our bank account balance is negative and we have received penalties from our bank that we must now pay. Also, the entire situation is emotionally and financially stressful. 

I wish we could choose who our loan is sold to. This company is absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2023-07-01
Company: SYNCHRONY FINANCIAL
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, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

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

Under 15 U.S.C. 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 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 2019-12-12
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 We reached out to a Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX referred by Realtor Ms. XXXX XXXX. XXXX XXXX  XXXX. 

We made application through an online portal for Citibank XX/XX/2019. 

That is when Mr. XXXX XXXX XXXX stopped communication and as we followed-up we were told that a loan was not possible and stalled the supposed deal at XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX, IL XXXX. After we put money down {$2500.00}, home inspection {$330.00} and were getting no response from him or his assistant. The more we met the purchase criteria suddenly obstacles were placed in our way. 

The building he was supposed to know and had done business before had the other realtors pretending the building was no VA approved. But with a little research my wife and I were able to obtain that it was without any restrictions. We kept calling and e-mailing Citibank to no avail. Dead Silenced to pressed and could not get past underwriter but ask him what work he done tried to deflect by insisting it was our credit. 

Every time we tried to find a remedy and a solution he was nowhere to be found or did he provide guidance. We are requesting an investigation per Home Mortgage Disclosure Act and the practices of Consumer Financial Protection Bureau ( CFPB ) since we believe Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX has not followed the Law and was discriminatory to us. No formal closure. 

We are asking for an investigation for a Notice of Error, Request for Information and a Qualified Written Request to answer our Questions into how Mr. XXXX XXXX XXXX, Home Lending Officer, according to XXXX website handled our loan. Mr. XXXX finally responded with a short e-mail XX/XX/2019 after countless times reaching out to him and Citibank.

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 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There have been 15 unauthorized Inquiries on my Trans Union credit report. That I did not authorize. 
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, XX/XX/XXXX Please Remove these unauthorized Inquiries Sincerely, 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 explanation
Consumer complaint received 2021-11-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Before bankruptcyXXXX amount owed was {$18000.00}. Car was totaled XX/XX/2019 I received offer letter over {$14000.00}. In bankruptcy money was transferred from bankruptcy lawyer to Regional Acceptance which balance down to around {$4700.00} or less. They report over {$11000.00}. They are not allowed to change, add, delete pertinent information from my file to get more money than what is owed. Please delete

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