BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Reinserted previously deleted information. XXXX corrected data on my credit report with Experian Report dated XX/XX/XXXX. On XX/XX/XXXX I received report number XXXX with the incorrect data reposted. XXXX sent me a letter stating the data will be updated and requested more information for the other incorrectly reported information. Payment history for XX/XX/XXXX counting system is off. XX/XX/XXXX-supporting doc attached should not be showing 30 day late. They corrected the other months stated on the form but not XXXX payment history. I 've been working with the credit company and XXXX for four months. I truly need help on resolving this issue. I 've attached letters from XXXX and credit reports. I even did a comparison to show how they are reporting diff data to XXXX, Experian and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received notice that our escrow contribution was going to increase. We have more than the required 2 month minimum in the account, taking into account our XXXX Payment and XXXX Insurance Payment. 

Amount currently in Escrow {$1700.00} XX/XX/2022 contribution : {$440.00} XX/XX/2022 contribution : {$440.00} XXXX XXXX insurance payment {$1200.00} Amount in Escrow at the end of XXXX : {$1400.00} 2 month required minimum : {$890.00} We are being forced to increase our Escrow balance to {$2700.00}. Is this legal?

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 2016-01-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Some of the accounts are reporting as " late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed.

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 2017-09-26
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying to get XXXX peices of information removed from my experian credit report. I have had this information removed from experian and XXXX with no issues. I disputed this information with experian and only was able to dispute the informatory XXXX time. I sent in the paperwork and they still will not remove this information. For XXXX XXXX this has been documented as ID theft. Someone stole my ID and moved into an apartment under my name. I sent the reports to experian but they still will not remove the information. The XXXX XXXX is from XXXX. This was also part of not knowing about this debit and it was with my ID theft. Again it has been removed from my other reports but not experian. The last investigation they conducted was from XXXX on XXXX. I have send the paper work in and disputed this information agian XXXX months ago and not heard anything from them. I live in NY state and there has been new laws put into place to protect consumers why are they not abiding?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to XXXX of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX Services of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO FINANCE EF B XXXX/XXXX/XXXX HNB CLEVEL BANKING EF B XXXX/XXXX/XXXX XXXX XXXX BANKING 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 BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS AUTOMOTIVE TU B XXXX/XXXX/XXXX ALASKA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Other fee

Complaint:
The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It shows I have had an adress in XXXX Washington and I have never lived there.

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 2022-02-23
Company: Experian Information Solutions Inc.
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:
Ive been contacting Experian this past year in regards to the XXXX XXXX XXXX account thats inaccurately listed on my report. They refused to properly investigate and verify the account. Every time I ask them to investigate the account and request validation of debt, they dont comply and state the account is verified without the requested information and answers to my questions. Ive asked for specific information such as how was this verified, with whom did you speak with, when did it take place and so forth. Ive sent a bureau investigation letter, a follow up letter, a letter indicating that my consumer rights are being violated, a method of verification letter, and so on. I sent certified mails which was received on XX/XX/2022 and XX/XX/2022 and they have verified and/or updated without substantial proof. They dont answer my questions and/or comply out of all the times Ive contacted them . I have not received any proof of debt or document signed by me that validates the debt and its been over 90 days. Laws in 15 USC 1692 have been violated by this companys action. In addition to this account being falsely reported, Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 TransUnion 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 TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I made multiple transactions via XXXX in the amount of {$2000.00} to an imposter posing as a XXXX XXXX manager stating I needed to purchase insurance to claim or be compensated for my lost baggage with the airline. They had all my flight details. The number they used to call me was XXXX. The name of the imposter used was XXXX XXXX. They tricked me into buying a XXXX play gift card in the sum of {$200.00}. Which I also haven't been reimbursed for. I lost a total of {$2200.00} I immediately called the bank on XX/XX/XXXX to file a dispute. The claim was closed on XX/XX/XXXX stating that the funds can not be returned to my account. Please help me, I am a single mother of XXXX. Unemployed. please please please help me in being credited back my money.

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 2015-03-30
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Recently, Citibank sold their banking accounts to XXXX XXXX XXXX. We received numerous correspondence, stating the transition would go smoothly and without issues. That is not the case. We have yet to receive our XXXX XXXX XXXX checks and debit cards. Citi was supposed to keep our debit cards active until we received and activated the new XXXX XXXX XXXX cards, yet they just shut them off on or around XXXX XXXX. We are now faced with bills to pay, shopping to do, gas for our cars and we have no access to OUR MONEY. XXXX XXXX XXXX says they 're helpless and blames Citi. Citi is unresponsive and in my opinion uncaring. Now - we have had direct deposit for XXXX my wife 's and my paychecks into our checking accounts and they were to be deposited today. Guess what - no deposits have been made. We are now in a situation where I 'm concerned about being able to pay our mortgage and other bills due around the XXXX of the month. Our credit worthiness is at stake. We have maintained credit scores in the low XXXX for years and now we are faced with at best having to go to our credit union to withdraw cash and then take that cash to a Citi location which does n't exist anymore in Texas. This is an abomination and we will seek damages in an amount consistent with their inept handling of this matter. No one has any info about this and no one will own up to their respective XXXX-ups. This is our money and the banks have essentially taken away our ability to use XXXX MONEY. What are we to do???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Citibank on XX/XX/2021 with an initial deposit of {$5000.00}. in XXXX I began direct deposit from my payroll. Sometime in XXXX I noticed issues accessing the account. I called the bank and was told the account was blocked and under review. However the bank continued to accept my direct deposits. On XX/XX/XXXX I was informed by letter that the account would be closed in 60 days. I attempted to have my funds returned but was told I would have to wait for a check. The bank would not wire the funds to me or allow me to withdraw from a branch. I called again on XX/XX/XXXX ( 60 days later ) to inquire about the funds and was told the account was still not closed but under review. 

I stopped direct deposit in XXXX. The bank still holds {$25000.00} and will not provide a date as to when the money will be made available to me

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 2015-04-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having an ongoing issue with Experian. Someone used my personal information to obtain credit in XXXX Colorado using a fraudulent address. They were successful in opening up an account with XXXX Account number XXXX. I filed a police report and sent it to Experian and they successfully blocked the account but later unblocked the account saying that they received information from the creditor that it was reporting correctly. They disputed the account and the account was removed from the file later it appeared again. I called XXXX and spoke to XXXX at phone number XXXX and she told me the account was flagged as fraud already and that Experian was notified to remove the account yet experian has not removed the account from my file. I contacted experian today and they did not want to help me. I am stuck in the middle of a horrific situation and experian has not removed the fraudulent addresses in XXXX coloredo from my file.

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