BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: MD
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 15 USC 1681. 
XXXX  Account # 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 explanation
Consumer complaint received 2022-04-27
Company: Continental Finance Company, LLC
State: MD
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 15 USC 1681. 
XXXX  Account # 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 explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.

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 2020-02-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for an Old Navy Credit card in XX/XX/XXXX. I did not receive my card in the mail until 4 months later. I have not made one purchase with the card. I have several credit cards with department stores that use the same bank and Im in excellent standing with those accounts. Have never been late on any account. They closed my account this month, XX/XX/2020, and stated that its due to my credit. This makes absolutely no sense. They couldnt help or give me direct answer when I called and said its their choice. Thats fine and I understand that, but thats terrible business. It dropped my credit score down 8 points. Shame on them. I believe they closed it due to lack of use. I could care less about losing the store card, Im XXXX about my credit score. I have also been reading other reviews from other consumers that are saying the same thing about Old Navy and their credit card. Please reference Consumer affairs website.

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 2019-07-12
Company: EXCEL FINANCE COMPANY
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The company is fraudulent. They will take your information and falsify it in order to get a loan approval. The manager told me incorrect information about my job history.

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 2019-01-04
Company: EQUIFAX, INC.
State: AL
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/XXXX, I sent a notarized dispute letter to Equifax by certified mail. The dispute was stamped received XX/XX/XXXX. I received the dispute results XX/XX/XXXX. The envelope from Equifax states that they mailed the results on XX/XX/XXXX. 

I disputed 21 accounts. Upon receiving my results, I noted that within the 30 day time frame, there was an account named XXXX XXXX XXXX ( Account number # XXXX ) that information was not reported back to Equifax resulting in a deletion. I have contacted Equifax several times on XX/XX/XXXX and XX/XX/XXXX about the deletion, however they would not delete. The rules states that within 30 days I should be notified of results and if not so, then they must delete. 

Included in this complaint are the tracking information, receipt where I had the letter notarized, a copy of the letter, and the results from Equifax. 

Thank you so kindly for assisting me in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I disputed an unauthorized charge on my Venture One card from Capital One for $ XXXX-XXXX XXXX. I did not receive taxi services at any time. XXXX XXXX   was unable to issue credit to me on his machine and told me to dispute it with Capital One. 
On XX/XX/2020, Capital One credited me {$65.00} XXXX XXXX. 
Later, Capital One charged me back for {$65.00} and told me XXXX XXXX, the merchant was contacted and said to give me back my {$65.00}. Capital One credited me {$65.00} Now, Capital One charged me back {$65.00} for a service that was NEVER given to me. 
I have called Capital One several times to make them give me back my {$65.00} and Capital One refuses to credit me, my {$65.00}. 
Today, XX/XX/2020, I called Capital One again for status on my claim and where is my {$65.00}? Agent told me Capital One now has to dispute this with Visa and it will take 90 days. It takes Capital One 30 seconds at most to credit me back-and Capital One was told by the merchant to pay me back {$65.00}. 
Capital One is stealing my money. Violations of the Consumer Protection Act and A.R.S. 44-1522 Unlawful practices by businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.

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 2022-04-27
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-02-21
Company: EQUIFAX, INC.
State: MI
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:
Friday ( today ) XX/XX/2020 I called Equifax to make a dispute. I gave them my phone number ( which they verified by texting me ), gave them my address, social security umber and birth date. I called to DISPUTE an item on my credit report that caused my credit to go down by 36 points! They wouldn't take my dispute until they " got more information to verify it's me ''. REALLY, they let someone fiddle with my credit but can't verify it's me. They said they needed information about any cards I'd had in the past. I haven't had a credit card in YEARS!!! I'm nearly XXXX. I can't remember that far back!!! I'm livid! This is outrageous. Equifax isn't a company to be trusted that's for sure. PLEASE DO SOMETHING. 36 points!!!! My head is still spinning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
your company failed to provide the required notice of additional required documents within XXXX ( XXXX ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 2022-04-27
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company, Specialized Loan Servicing ( XXXX ), has wrongly double counted my tax bill estimate in their escrow calculation. I tried to reach out to them in writing, but they do not have an email address or an online form to submit a customer service inquiry - all communication must be submitted via a po box mail address, which both takes too long and is prone to getting lost. I called their phone number, and it took me XXXX hours to reach a human to express that my bill has a double count. Let me explain : my home 's reassessed tax amount was entered into the " what we estimate to be paid out '' for XX/XX/XXXX and XX/XX/XXXX, however my old tax bill amount was also kept in the same XX/XX/XXXX and XX/XX/XXXX estimates, so it's as if I need to pay a tax bill twice in both of those months. Therefore my monthly escrow amount went up by a crazy $ XXXX instead of closer to $ XXXX. When I called them, they first pushed me from the tax department to the escrow department, then back to the tax department, until they made me frustrated enough that I just had to hang up the phone because they couldn't understand whose fault it is. The answer from escrow was " we only calculate a monthly payment based on what the tax department gives us '' and the answer from tax was " we only put in the system what the tax bill comes in at ''. Nobody was able to answer why there are double payments in the same months, and I don't even have a way to prove this because they don't have a quick enough written communication system to figure this out! I am now facing a situation where I will have to pay a monthly amount that is higher than what I can afford, due to their mistake, and they don't even understand what's going on to be able to acknowledge or know how to correct their mistake!

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 2020-02-21
Company: POPULAR BANK
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We purchased a Fixed Rate Certificate on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX   XXXX XXXX from their branch in XXXX XXXX, CA. It was to have matured on XX/XX/XXXX. We never closed this account. XXXX XXXX was subsequently purchased by XXXX XXXX, now Popular Bank. In the intervening years we moved out of state and then back to CA. The deposit book has recently surfaced. I have called Popular Bank and they could not help me locate these funds. In talking with the the CFPB I was directed to fill out the complaint form.

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 2020-02-21
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX   XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report, there are so many negative information. I told you, this information does not belong to me. Im sure that someone have my personal 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!

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 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX XXXX And TransUnion stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

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