BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A computer glitch that was Transunion problem - not mine - caused my inquires to be deleted. Transunion later added the all back onto m credit report without giving me the legally required Witten notice Five days prior to them being re-added. I contacted Transunion in good faith to ask them to delete the inquires that they had XXXXilleegally re-added. these inquires add a hardship and my rights were violated by Transunion. I ask that you please help me, and make Transunion to stop victimizing me. As a resolution I ask that all of my Transunion inquires be deleted PERMANENTLY from my report as a violation took place when they were illegally added.

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 2017-07-22
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have continuously contacted Navient about our current situation. We are struggling to make payments. We have been putting our bills on credit cards so that we can make the payment to Navient. I called the company and went through the process of telling them all of our debts and payments. They called me a few days ago and told me that my husbands income is n't high enough to get us a lower payment?? WHAT?! You read that right. We do n't make enough money to get us a lower payment. Is there anyway to fight this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.

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 2020-01-07
Company: EQUIFAX, INC.
State: NY
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:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY 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 2020-01-07
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debit is not mine please have it removed ASAP. Someone used my information to open a phone account.

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 2017-07-22
Company: CITIBANK, N.A.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.

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 2022-07-20
Company: EQUIFAX, INC.
State: GA
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'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling for XXXX XXXX and XXXX XXXX XXXX XXXX. This is not either of them and I have told them that.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: GA
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'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX Bank XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2017-07-22
Company: EQUIFAX, 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 am submitting this complaint about XXXX credit reporting agency. My first issue is I answered all the security questions to retrieve my report online and was unable to do so. I received a message they can not allow me to view my report at this time. I have an account reporting on my credit report that should be deleted. " XXXX XXXX XXXX ''. I spoke with corporate office in regards to this issue and was told months ago that it was agreed upon it will be deleted off my report. To date it is still reporting on XXXX which is causing me a major problem in obtaining substantial credit as it is affecting my credit score. I have been dealing with this for months now and it still has not been deleted. You are suppose to have 24 hour access to your report online however as I mentioned earlier XXXX will not allow me to view my report. I have contacted legal advise in regards to this issue in suing XXXX because they are not doing a proper investigation. If they did do a proper investigation the response they would receive would to be delete this account off my report. It was deleted off my other credit report. I am very fustrated with XXXX as they do not understand that this is my credit worthiness and it is causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: VA
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 Act XXXX XXXX XXXX Acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent Equifax a letter disputing the in Inaccurate and incomplete information on my credit report. I sent them proof of the inaccurate and incomplete information on my report and they responded with a stall tactic requesting proof of my identity which they already have. This I know because I have been disputing with them for a while. Enclosed will be that Equifax has been knowingly reporting inaccurate and incomplete information on my credit report as well as proof that I have been disputing with them. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( CLOSED ) Account Number XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have been business customers of Wells Fargo for close to three years and started having a problem late summer of XXXX with holds being placed on deposits made to our business IOLTA account. We would make deposits at the branch and be given a receipt the funds would be available the next business day. Only to receive an email the next day saying a hold had been placed on the deposit. This did cause issue with one client being disbursed funds. The reason for the holds was " refer to maker '' The branch tried to tell us that the check might not have cleared and that is why a hold was placed. This is not true or accurate as it would have come back as a deposit return. We had a meeting with the branch on XX/XX/XXXX that included bank employees XXXX XXXX, XXXX XXXX and XXXX XXXX. We were told that the holds were being placed because of a change to their system and they apologized for the frustration it had caused. That this would stop and that XXXX would be our point of contact if hold issues arised. Everything was fine until XXXX of XXXX, when holds started being placed again. I tried to contact XXXX and got no response via either email or phone. Than I had a hold placed on a deposit and two days later made a second deposit that was more than two times the amount of the deposit that had been held. This deposit was not placed on hold. All of the deposited checks were drawn off of XXXX XXXX XXXX. I tried again to ask that this hold be removed as I could tell from the collected balance that the funds were received by Wells Fargo and the branch refused. Stated that the hold was placed to " protect Wells Fargo '' The branch is arbitarily placing holds on deposits and I feel the branch management does not even understand hold policy or procedures. Why a hold would be placed on a smaller deposit but not a much larger deposit being drawn off of the same bank and within days of each other, makes zero sense. I try to call the branch and get no answer, just short rude emails from XXXX. I contacted Wells Fargo customer advocate on XX/XX/XXXX, she also attempted to call the branch multiple times and did not get an answer. I have been told Wells Fargo has increased their holds due to the pandemic and fraud however we have been customers of Wells Fargo since before the pandemic, we keep multiple accounts, have never bounced a check, had a deposit returned and we keep a six figure balance most of the time. To be treated as a possible threat of fraud to the bank is horrible customer service. I would like Wells Fargo to treat us as valued clients

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 2017-07-22
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:
I have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17

Company response to consumer: Closed with explanation