BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
I've disputed this XXXX account several times. This account was not investigated by XXXX, XXXX or Experian. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It was brought to my attention during a refinancing process that i have a second mtge with ALLY Bank. Upon contacting Ally, bank, they were unable to tell me how they got the mortgage and was asked if i wanted to make a payment. I was surprised as i did not at anytime had any dealings with ally. Had to pressurize ally about the existence of this mtge before they could tell me it was sold to them in 2014 and unsure who sold it to them. My issue is why i was not contacted and why up till date i did not recieve any billing statements from ally. I am unable to get a straight answer, nor the company handling my refinance I also did not recieve transfer docs that they recieved from this other company who sold the mtge Ally had prevented the refinance from moving forward as i now have $ XXXX on my name that Ally did not keep me abreast of.. My current mortgage company was not aware of this mtge. I know my mtge did changed hands but i was under the impression that the complete mtge was transferred to current lender. 
Thankyou

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 2022-05-03
Company: Experian Information Solutions Inc.
State: SC
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 following accounts have violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also 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 2020-04-23
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, A FEW WEEKS AGO I CAME TO CFPB THERE WAS AN INQUIRY I NOTICED WAS NOT MINE FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID NOT AUTHORIZE OR APPROVE OF ANY NEW TRADELINE. THEY HAVE BEEN CALLING MEEVERY MORNING XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ABOUT FRAUD ON ACCOUNT. FROM SPEAKING THEM I THINK THEY ARE CONFUSED ABOUT SITUATION WITH PASSED ACCOUNTS THAT I HAVE HAD WITH THEM OR CURRENTLY HAVE. I LIKE CITI THEY ARE GOOD PEOPLE. I JUST FEEL THERE NOT UNDERSTANDING. THE ONLY THING I AM DISPUTING IS A HARD INQUIRY PULL FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID " NOT '' APPLY FOR ANY NEW CITI CREDIT CARD, BANKING CARD, CHECKING ACCOUNT, SAVINGS ACCOUNT OR ANY OTHER TYPE OF ACCOUNTS CITI MIGHT OFFER ON THAT DATE WHICH WOULD RESULT IN ANY HARD PULL. ALL I AM ASKING IS FOR THIS HARD PULL ON XX/XX/XXXX TO BE REMOVED FROM MY FILE. AS OF XX/XX/XXXX WHEN I SPOKE TO THE REP THEY DISCUSSED PAST CARDS AND OTHER CARDS I HAVE WITH THEM BUT HAD AGREED TO REMOVE THE HARD PULL ON XX/XX/XXXX. AS OF TODAY AFTER SPEAKING TO THERE FRAUD DEPARTMENT THEY TOLD ME TO CALL XXXX WHICH TOLD ME TO CONTACT CFPC. I HAD CAME TO CFPC WHEN ALL THIS STARTED ON MY CREDIT REPORT WHEN I LOOKED AT MY XXXX   XXXX. SO I FEEL THIS WENT AROUND IN A FULL CIRCLE. ALL I AM ASKING FOR IS THIS HARD INQUIRY WHICH NOBODY HAS ANY IDEA WHAT IT IS AND CAN NOT BE VERIFIED. I WOULD JUST LIKE OFF MY HARD HARD INQUIRES LIST.I WILL ATTACH A PHOTO OF WHAT THE CREDIT COMPANIES ARE SAYING. ANY HELP WITH THIS GREATLY APPRECIATED

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 2019-11-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XX/XX/2019. 

I have {$23000.00} in my account My funds are being held and I am told Time after Time after Time that it is being investigated for fraudulent activity. 

I call everyday inquiring about my account and I am told by the bank manager her name is XXXX that she has no further information for me and that she will call me when she has an update. I do not understand how my account and be under review and investigated since XXXX if there is money in my account that is fraudulent I do not understand why it is not returned to the sender and my money returned to me. 

This money was sent to me by family to purchase a vehicle new mobile home I have been waiting since XXXX to do this and in the meantime I go without a vehicle and live with relatives because I am not able to access my funds to do what the money is intended for. 

I am not asking for any money that does not belong to me only the money that does! I have been trying since XXXX to get my money and Citibank only keeps dragging their feet telling me that the money is under investigation under review it's always something the nation mark if there is money that is fraudulent in my account send it back to the people that sent it and just send me my money! CFPB PLEASE HELP 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 2017-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return 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 explanation
Consumer complaint received 2019-11-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
America First # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Investigation took more than 30 days

Complaint:
This is my third complaint against Experian via CFPB XXXX, XXXX and copies of 3 Certified letters that was sent and received by Experian to show their total disregard for my rights Under FCRA, they have not responded within the required timeframe and made frivolous statements that they do not believe I am who I say I am even though I have included my identification in every single letter I have sent to them, I have also included all the letters I sent to them by certified mail. Experian is now requesting I call them directly which I refuse to do because I want to have everything documented and thought using a third party ( CFPB ) would be my best option, I would rather keep all corespondent in this forum for my proof. I am demanding that they remove these unverified accounts immediately and I am now asking CFPB to verify that they have in fact violated my rights under FCRA have not responded to my certified letters within the required timeframe and under FCRA must now remove all accounts in question.

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 2017-10-23
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
I have disputed the account for XXXX through the credit bureaus. The results came back as meet FCRA requirements. 

XXXX need to provide documentation showing that I opened an account with them in XXXX XXXX. I never opened an account with XXXX in XXXX. 

I am asking for them to delete this account from my credit reports if they can not provided documentation showing that I opened an account with them in XXXX. 

And how can I owe on an account that I never opened in XXXX. 

And also to note, I have the proof showing that they removed the account from my credit and then put it back on my credit stating that I dispute and meet fcra requirments. 

This is not fair for them to report false information on my credit saying I opened an auto loan and XXXX. I never opened a loan in XXXX with XXXX or any auto lot. 

Please can this be resolved? I would greatly appreciate it. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXXReceived an invitation via email to apply for a credit card, I applied and received an approval for a secured credit card. The approval required a deposit to secured the line of credit and the credit limit will be equal to the deposit amount. 
XXXX XXXX I wired {$200.00} to Capital One and opened the account XXXX and XXXX Utilized the card and make payments promptly to keep a low balance and be able to reestablished my credit. 
XXXX XXXX CAP ONE CLOSED OUT THE ACCOUNT without notice. I had just made a payment which put the account back to a {$0.00} balance, this payment was made on or around XXXX. 
XXXX XXXX I learned the account has been closed. I called them to learn why the account was closed. The representatives keept transferring and I was not able to get an answer. I let it go, and ever since I been waiting for my security deposit to refunded. 
XX/XX/XXXX : I called again wondering why they closed out the account and wanted to check the status of the refund. The representative I spoke with told me the account was credited on XX/XX/XXXX and has a balance of XXXX, a positive balance. The refund was not processed. I escalated my request and updated my mailing address. He said it will be mail to me. 
XX/XX/XXXX : I just got off the phone, this will be my XXXX or XXXX attempt to get to the bottom of the closed out reason and the status of my money. I just learned that it has not been process. REF : QUICK SILVER CARD XXXX # XXXX THE MONEY OWED {$200.00} I feel mislead and the offer is all about taking your $ , keeping the $ $ and closing out the account with no reason. Is this a way to raise $ $ at bad credit people 's expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is asking for a payment of {$1700.00} for a class that I canceled on in XXXX of 2019 after noticing that I couldnt do online school my balance was {$49.00} when I asked to cancel but now its on my credit report saying that I owe them that money. I never finished that class and asked them to cancel me. So that I wouldnt be paying every money for something that I couldnt do.

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 2022-08-05
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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Buraus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get my mortgage loan servicer to follow the XXXX XXXX XXXXXXXX XXXX that they themselves have attempted to quote for the reason they have denied my PMI deletion requests. I am trying to get PennyMac, my loan servicer to follow through with PMI deletion based on current market value of my home, utilizing a BPO for my home. They keep rejecting my claims, saying it does not exceed the requirement for original market value andor claiming i am citing repairs to my home instead of improvements. i have made ~ {$6300.00} in improvements since closing on my home and they are claiming they are repairs or " not significant enough ''. please help me get them to remove my PMI on my loan. i am 100 % current on all payments, no late, and XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX Unable to go online and put a security freeze on my personal account! 

This is very frustrating that Equifax has my credit info stolen and I am unable to protect myself by going online and placing a freeze on my account. As has been recommended. 

Thanks so much for your continuing help and support! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File Number XXXX Date : XX/XX/2018 TransUnion has on page 12 of 13 Supplemental Consumer Credit Information Auto finance Inquires in the last 3 Months:2 6 Months:2 9 Months:2 I have not applied for no auto loan on none of this information stated by TransUnion under Supplemental Consumer Credit Information in any way. I would documented proof from TransUnion to where it was done as stated by TransUnion on my credit file. There has been no auto loans by me requesting any Auto loans. 
I opt out of Inquiries or companies Inquiring about giving credit or selling. 
Im tired of Inquiries showing up if I have not applied for them by TransUnion on my credit 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