BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

CITI CARD CBNA you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CITI CARD CBNA you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.

Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
As of XXXX XXXX XXXX I was notified, via news outlets and social media, that my personal information may have been compromised by a recent hacking of Equifax. Keep in mind, the compromising of this information has been known, by Equifax, since late XXXX XXXX. 

Seriously? 

Over a month to notify the public seems just a bit ... late? But, the best part. Equifax set up a website to check whether or not one 's information has been compromised. The only catch? You surrender all rights to bring legal action against the company ( Equifax ), if you want to know anything about your info being compromised. 

Great. 

So, obviously I surrender this privilege. I need to know XXXX. Remember this is pretty serious? What-a-ya know ... my information has been compromised. Awesome. Long story short, I still need to do ALL THE HEAVY LIFTING TO PROTECT MY INFORMATION. Filing fraud alerts, credit monitoring, credit freezing etc. Im beyond " happy '' to do this on my Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My XXXX  mortgage loan was originally with SunTrust and was later migrated to Truist Bank. I used the XXXX forbearance for my mortgage payments for a period of time, and then agreed with Truist to create a second mortgage partial claim for the amount that was in forbearance. I submitted all of the signed, notarized, partial claim documents to Truist when requested at the end of XXXX. Truist has not yet submitted my partial claim to HUD, however the second lien is listed on my house title. I am now attempting to pay off the second mortgage, XXXX  months after finalizing the partial claim with Truist, however HUD can not generate a payoff letter for me because Truist has not filed the partial claim with them. I am unable to sell my house, open a HELOC, refinance, or do anything because of Truist failing to complete this step. I have called Truist multiple times, requested callbacks from supervisors, have been transferred from department to department, and have not been able to speak to anyone who is able to resolve this problem or give me information on how it can be resolved. This XXXX months-long delay is going to have serious financial implications for me. I have never been delinquent on my mortgage payments and have always done my part with paperwork. I now need someone at Truist to file my partial claim with HUD immediately.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: CA
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian XXXX notified me that there was an inquiry on my report where I DID NOT apply for a loan. 

XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CORELOGIC 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:
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, CREDCO, provided a blanket disclaimer that they were a third party and would audit XXXX XXXX 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until CREDCO completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. XXXX XXXX 's telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Nelnet, Inc.
State: SC
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:
My current student loan balance on statement dated XX/XX/18 ( payment due date of XX/XX/18 ) was : {$39000.00}. My monthly auto drafted payment totals {$350.00} and the total interest that accrues is month is {$160.00}. After my payment of {$350.00} deducted on XX/XX/18, I receive an email about a week later stating that my new billing statement is ready. Upon reviewing my new statement, dated XX/XX/18, I see that my current balance is now : {$39000.00} ... a decrease of only {$110.00}. I am paying {$350.00} a month for my balance to only decrease by {$110.00}! This does not add up if my monthly increase is {$160.00}. Where is the remaining {$76.00} going? None of the customer services reps will kindly take the time to explain this to me. They talk to me as if Im uneducated and try to rush me off the phone. Im extremely fed up that I work extremely hard only to be stuck with student loans they never decrease. Please help me in resolving this issue, Im exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are XXXX Inquiries on my Equifax Credit File ( XXXX, XXXX, XXXX, XXXX and XXXX ) that I did not apply for and when I contacted them about it they ignored me. This has been going on since late XXXX. 
Also they were suppose to delete a fraudulent collection from XXXX and XXXX that they refuse to delete as well as provide me with any information on. I contacted the creditors for these XXXX inquiries as well as XXXX and XXXX and received no response. It has been more than XXXX days on both the inquiry removal request and the false collection removal request, I sent Equifax the proof of both disputes and nothing was done. I will be contacting the GA Attorney General and filing a lawsuit against Equifax if this matter is resolved immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX  is providing false information. However XXXX has already deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: DISCOVER BANK
State: IL
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 XX/XX/XXXX on around XXXX I have called customer service billing dispute to dispute a charge. The charge was for the item purchased on XXXX from the XXXX vendor and the amount was {$24.00}. After the long wait I was finally speaking with the representative who without warning put me on a very long hold and then subsequently the call was disconnected. 
I called again and was informed that the dispute was not finalized. When I brought an issue of professionalism and respect by which cardmembers should be treated ( I am a cardmember in good standing since XXXX ) I was told that I will be transferred to the supervisor. The person who I was transferred offered variety of excuses and still didn't process the dispute as requested. Also I found out that the person being transferred to is not a supervisor. The third person on the call, and the fourth in the chain finally identified himself as XXXX and apologized for the issue however the dispute was not finalized. 

Questions to the Discover Card : 1 ) Why its employees feel they can disrespect consumers such as this and why the dispute billing system is not capable to be handled in an efficient and timely manner? 
2 ) Does Discover does this on purpose to have the people being discouraged to filing the chargebacks for items they ordered and never received? 
3 ) If the call met or did not meet the Discover Card 's professional service standards can you please let me know what are? 
4 ) What is the simple billing dispute charge have to be handled by two separate calls involving 4 people? 

Very much looking forward to the response. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In reviewing this public record, I have noticed that the date reported has been updated to the year of 2015. If you search and review my older reports it will show that this was reported prior to 2015. This information is incorrect and must be removed if proof can not be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
My personal information - everything an identity thief would need to open accounts in my name - was affected by the Equifax data breach and is now, effectively, public. Rather than promptly informing consumers of the breach as soon as it was discovered, Equifax waited six weeks to publicize what happened - perhaps so its executives could sell off stock before the predictable price drop. Furthermore, Equifax has not even notified affected consumers directly, except for the minority whose credit card information or other documents were also stolen. Equifax 's negligent security practices are all the more galling given that consumers can not reasonably opt out of credit reporting to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been refused banking services due to unreasonable credit score reported by Transunion which is inconsistent with information on my credit file with them. 

As you can see my credit score with XXXX is XXXX, XXXX XXXX but is almost FIFTY/ 50 points lower at XXXX with transunion for the EXACT same set of financial data!! 

I have tried to file a dispute with them but they require a paid membership before any dispute can be submitted which in and of itself is complaint worthy. 

I have a copy of the report from my credit card company ( XXXX XXXX ) who pulls my report regularly from them, you will see both attached to this document. 

I would like TransUnion to fix my credit score.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX I submitted to the CFPB a complaint # XXXX because TransUnion LLC was reporting my XXXX account as thirty days ( 30 ) late when I never had a late payment. I submitted all the documents to TransUnion and the CFPB showing that my XXXX account was never late. TransUnion removed the XXXX XXXX XXXX thirty day late payment that was reporting on the XXXX account on XX/XX/XXXX. 
When I received a copy of my TransUnion report on XX/XX/XXXX I realized that the XXXX account was again reporting the XX/XX/XXXX XXXX thirty day late payment that was previously removed.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
They mishandled my information, which puts me and millions of other people at risk. I also mentioned I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Their investigation did not fix an error on your report

Complaint:
An unknown account, XXXX XXXX is currently reporting on my Experian credit report which does not belong to me. The account also was reporting on my XXXX account which I disputed and deleted from my report. Experian has not provided me with any mechanisms or procedures in their investigation.

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 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received checks for XXXX new accounts with TD Bank which I did not open. 
Received insufficient fund letters on these XXXX accounts which I have never opened. 
Attempted to contact company to ensure accounts are closed as they were fraudulently opened without my consent. 
Unable to speak with anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my updates, there are several unauthorized inquiries seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove

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 2017-09-08
Company: EQUIFAX, INC.
State: NC
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:
My personal data was compromised in the Equifax hack that was reported in XXXX of 2017. I have n't yet been victim to identity theft, but the release of my financial details makes me susceptible to identity theft for the rest of my life. Equifax should be held accountable for collecting and releasing this personal information without my consent.

Company response to consumer: Closed with explanation