BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a complaint against Citi card because a Citi Diamond card was bothering me with constant offers to increase my credit limit without running a hard credit check. Complaint # XXXX. In the complaint I stated I contacted the wrong card, I called Citi Costco   Anywhere card to ask about the offer. I spoke to a live agent and I told him I was calling about the offer to increase my credit limit without a hard credit check. He put me on hold. He did not confirm the availability of the offer at Citi Anywhere Visa and when he returned to the phone he says, so you want to ask for a credit increase? I actually thought he was checking on the offer 's availability but he was not paying attention and putting me on hold to do something else. I received the response to my complaint today from CITI. The entire response is a total fabrication of facts, frankly downright lies. Citi 's response from an employee at the Office of the President " claims '' he looked at actual evidence Citi has somewhere. I am not privy to this secret information and don't have anyway to refute the evidence as I don't have access to it. I am appalled that an employee at Citi 's Executive Response Unit would report total fabrications and falsehood to the Consumer Financial Protection Bureau. Not one word in CITI 's response is true.

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 2020-05-25
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as XXXX XXXX and XXXX XXXX XXXX, XXXX. I am writing you for assisting having XXXX XXXX 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an XXXX Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie XXXX XXXX trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing XXXX XXXX that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named TrueAccord. I have attached XXXX XXXX XXXX  ', XXXX, TrueAccord 's, and XXXX XXXX 's contact information with this letter. I ask for your help addressing this matter with XXXX XXXX, XXXX XXXX XXXX, XXXX, and TrueAccord, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

The other credit bureaus have removed everything that was done by the individual who stole my identity PLEASE REMOVE THIS INACCURATE CHARGE 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 explanation
Consumer complaint received 2022-08-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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 continue to dispute my credit report, but XXXX continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

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 2023-07-13
Company: REGIONS FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX. 
They sent back our XXXX XXXX. 
They sent back our Stimulus and they had to mail it to us. 
They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank. 
We got unprofessional voice message asking private information from people at the bank. 
I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-07-07
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-24
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters at XXXX XXXX XXXX XXXX, XXXX, Ks XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Paypal Holdings, Inc
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a PayPal account and a PayPal Cash plus debit card my economic impact payment was supposed to be deposited into my account on the XXXX it's been almost a month now they can not seem to tell me anything I keep getting the same answers over and over and over again to keep running a deposit Trace nothing and I'm not the only person experiencing this problem I am fed up frustrated tired of not getting straight answers I want my money but can't seem to get anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Request to Reinvestigate & Delete Accounts FulXXXX name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1991 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$420.00} XXXX {$500.00} XXXX  XXXX  {$310.00} XXXX  XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}

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 explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 " Impact XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that 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 2022-10-25
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The credit reporting bureaus are reporting a state tax lien that should have been deleted. They are still reporting a state tax lien on my credit report after several request for them to delete this information.

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 2020-09-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone from XXXX XXXX XXXX to me he was looking for people to hearing, I saw that email on my XXXX college email student email, my assignment will be to send and received gift to the list off other company the will give to me, theirs pay me $ XXXX Work from home, theirs send me my a check {$3500.00} in the XXXX XXXX mail, I deposit the check in my account, when the check was cleared Their ask to transfer {$1000.00} to my cash app from my main checking account. The time I realized the block my account and freeze my account and also my joint account with my wife and I, for XXXX weeks now. 
And also ended up the relationship with me.that santander bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo called me a few weeks ago and said I was approved to refinance my home. At {$630.00} per month and starting over at a 2.5 % interest for 30 years. I got behind on my payments from last year due to my company was all laid off for the XXXX support desk for XXXX. They recorded the conversation and said I would have to state that I agreed with their terms stated above to refinance. I said yes I agreed. Paperwork came in and filled out and overnighted to them last week before the deadline if XX/XX/XXXX. Another letter came in a day letter stating that I was not approved. It doesn't make sense why they approved me and I signed the paperwork they would turn around and denied it. I have all the paperwork still. 

I can not afford the {$890.00} payment that it was.

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 2018-03-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously filed a compliant against SLS for this same thing. SLS refuses to properly apply my principal reduction payments. This causes me to have to repeatedly call and write them to correct their error. They have stated multiple times that they have corrected this this but it continues to happen. This results in SLS charging me extra interest - beyond what is defined/allowed in my Mortgage

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 2020-05-25
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a first communication dated XX/XX/XXXX with a settlement offer for an alleged debt. Hidden on the back was the required right to dispute within 30 days. I did sent a letter to dispute and request full validation on XX/XX/XXXX. It has been over 30 days and I have not received anything from this unknown company. However, since that letter was sent this company has reported it to the credit bureaus which they should not have done until the validation was received. They reported it approximately XX/XX/XXXX as disputed so they obviously received the request for validation and dispute. Copies of their notice and my reply are included.

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 2022-08-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Over the past 2 years I have made several attempts to remind XXXX XXXX of their duty under the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act. My records indicate that XXXX XXXX is reporting an account on behalf. By sharing my nonpublic personal information to NON AFFLIATED THIRD PARTIES. To my knowledge, I no longer have an account with their company.

Under the Gramm-Leach-Bliley Act a former customer that " has obtained '' a financial product or service from a financial institution but no longer has a continuing relationship with it. For purposes of your obligations under the Privacy Rule, a former customer is considered to be a consumer.

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available.

XXXX XXXX failed to provide a privacy notice, including an opt-out notice prior to sharing my NPI with these nonaffiliated third parties. 

EXPERIAN 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