BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: CA
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, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX  XXXX that is being reported on XXXX, XXXX, and Equifax, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per XXXX, XXXX, and Equifax. 
XXXX XXXX Account # XXXX opened XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit reports and noticed a XXXX account in collections with Convergent collection agency. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.

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 2018-11-14
Company: EQUIFAX, INC.
State: WI
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/XXXX I submitted separate, multiple requests via letter to Equifax Credit Bureau as well as each Creditor, requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

The inquiries that I requested be investigated were as follows : XXXX ( XX/XX/XXXX ) -XXXX/XXXX ( XX/XX/XXXX ) -XXXX XXXX   XXXX ( XX/XX/XXXX ) I can not stress enough, not one of these hard credit inquiries were authorized by me. At no time did I give  permission to any of the above institutions permission to access my credit file. 

As noted above, on XX/XX/XXXX I requested Equifax to investigate. On XX/XX/XXXX, I received an automated response via letter not informing me of any investigation process, but to inform me of how inquiries may have been added to my credit file. I did not ask them how inquiries may end up on my file, I asked them to investigate my unauthorized hard inquiries. 

Equifax did not investigate anything, they failed to move forward any due process in this matter. 

One Creditor also wrote me back in the mean time stating that they ( the creditor XXXX XXXX ) won't even investigate the inquiry and asked me to contact the Bureaus. So if XXXX XXXX wont investigate, obviously they can not verify the inquiry. With that being said, Equifax should remove it. 

Equifax is not doing what they are supposed to do. I am attaching the automated response they sent to me via US Mail, I am also attaching a letter that XXXX XXXX wrote to me stating they will not investigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : 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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( transunion & XXXX ) for correction.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have sent a certified letter ( Tracking number : XXXX ) dated XX/XX/2021 to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with TransUnion. In accordance with Federal Regulations ( FCRA section 609, 611 ( a ) ) TransUnion should have investigated and provided factually supported evidence and appropriate documentation or should have removed these items from my credit report within a reasonable time of 30 days. TransUnion also failed to post disputed consumer remarks in the comments section of these accounts.

Despite having sent two additional certified letters to TransUnion since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by TransUnion has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.

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 2018-02-22
Company: EQUIFAX, INC.
State: IL
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:
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Woke up to find my checking account XXXX due to an unauthorized debit transaction of XXXX $ from money lion? I also noticed my email account was changed on the mobile app. I spoke to customer service and immediately filed a claim spoke with XXXX XXXX the chairman of citizens bank who apologized for my inconvenience but I will need to wait until the claim is processed up to 10 businesses days before my money is refunded. I also expressed my concerns regarding the lack of security the bank has provided. She blamed the entire situation on me. Stated I needed to set up an alert system that they could not assist me with that. That I should have set up a new account and transferred all my information over to it, I should have changed my username and password ect. I was told on the first incident that occurred. I explained that the representative told me that the situation was taken care of, and no further action was required I also received the letter stating that my credit from the first incident would be permanent as the transaction was fraudulent and no further action was required from me. I am a XXXX XXXX of a XXXX XXXX XXXX I do not receive any assistance. I can not have my only source of income compromised by the bank. They allowed someone to alter my email address and take large amounts of money from my account with out even notifying me at all. And they refused to expedite the claim because they stated they are processing too many claims at the moment. I have no idea what I am going to do I have no money to take care of my kid or myself this is considered as an inconvenience to the bank and not an emergency as they are not taking any responsibility and are holding me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: MB FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shameful business practices and customer service. For the past six months I have been trying to pay my mortgage on time and within their grace period, and every month their website mortgage login system is not functioning. When I call them or email them to correct the issue ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) they claim they are updating their website. Paying through there automated phone system is just as bad as it does not register the account number that I input over the phone. All of this has resulted in late fee charges of over {$80.00} that are a result of their systems! With no appeal or arbitration system in place, they expect me to pay the late fees without question. With no information as to how and when they will fix the issue, I remain in constant fear they will continue to add late fees without justification. More than 30 other MB Financial customers have experienced similar problems with their customer service and practices as you can see by the link. ( XXXX XXXX XXXX XXXX ). Thank you for taking the time to review my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received my first bill From Pro Collect saying I owed XXXX. I received another bill on XX/XX/XXXX with a due bal. of XXXX. I started making payments, of XXXX a month regularly, Pro Collect continued to call harassing me saying I refused to pay my debt which is not true. On XX/XX/XXXX I received another statement saying I owed XXXX. I continued to pay the XXXX. I called them in XX/XX/XXXX and asked what the pay off was and was told XXXX which I paid on XX/XX/XXXX. On XX/XX/XXXX I faxed them the documentation that I had paid them in full. Today XX/XX/XXXX I received a call and letter say I still owe XXXX. I told them I have documentation that I have paid them in full and they say I still owe. When I requested a full accounting of all payment they said they don't do will not do that. I have money order receipts totaling XXXX paid to them

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 2018-06-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have tried numerous times to provide maturity instructions for my CD 's with TIAA Bank. I want my CD 's closed at maturity and a check mailed to me at maturity, which should not incur any kind of fees. However, TIAA will not accept maturity instructions, only giving me the option of having the CD 's paid out early and charging me an early withdrawal fee or automatically renewing the CD 's for another term with TIAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
I checked my credit report and noticed unauthorized and unverified accounts

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 2018-06-18
Company: Experian Information Solutions Inc.
State: CA
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:
I have a block on my credit files with Experian, XXXX and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

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