BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXXt XXXX bank {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXXXXXX XXXX webbank XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX XXXX {$870.00} # XXXX Absolute resolution XXXX XXXX XXXX {$1800.00} # XXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information 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 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
For a couple of months I have been trying to solve with this agency about the disputes so that some inquiries are removed from my report which were not authorized by me, my credit report has a fraud alert which I have kept active for more than 5 months to prevent anyone from requesting some type of product on my behalf and being affected. 

On multiple occasions I have been informed that they carry out the dispute and 24 hours after starting the dispute this agency completes the investigation without giving any reason why the information is still reported in my file. 

On XX/XX/XXXX, I found some inquiries with the XXXX XXXX in which I have not made any inquiries because I do not have relations with that bank. So I request that all the inquiries below be removed from my report. 

XXXX ) XXXX XXXX : I have no relationship with this bank, nor have I authorized an investigation so I request that it be removed from my report. 

XXXX ) XXXX XXXX  XX/XX/XXXX, do not authorize any request with this bank, so I request that it be removed from my report. 

XXXX ) XXXXXXXX XXXX XXXXXX/XX/XXXX, this recent investigation does not belong to me and I immediately called the agency and they ask me for evidence which I do not have to be able to remove such information. 

XXXX ) XXXX XXXX XXXX : XX/XX/XXXX, I have no relationship with this company so I request that this be removed from my report since it was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have made two attempts to correct inaccurate information listed on my credit report with Experian by sending certified letters. The first letter was sent on XX/XX/XXXX, and the second one was sent on XX/XX/XXXX. Despite my efforts, the incorrect information, which includes my date of birth and addresses, remains on my credit report. This has caused frustration and anxiety, as I worry about the potential impact this could have on my credit score and financial future. I am now considering other steps to take in order to resolve this issue and ensure that my credit report accurately reflects my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/2022 I received an alert that my Citibank account had fraudulent charges. I immediately called Citibank and found out that there were XXXX transactions that were blocked, as well as a {$50000.00} wire transfer that I never authorized. I asked Citibank how to handle this fraud case, I followed their instructions and placed a block on my account to prevent any further transactions. I called many times that night to make sure my account was safe. I tried following up with them over the weekend but the fraud department was closed. I called the wire fraud department first thing on Monday XX/XX/2022. I was told that early that morning ( XX/XX/XXXX ) my account block was lifted and another wire transfer of {$50000.00} was taken from my account. Again, I went through the whole process of blocking my account. I also asked Citibank why a wire transfer was sent out again after I clearly reported wire fraud for the same amount one business-day earlier, to which they had no answer. They advised me to place a block on my account again. But they could not guarantee that the nefarious actor wouldnt be able to call in again, lift the block, and wire transfer again. There was no security option in place to protect my account at this point AT ALL. I decided to go to Citibank, request a cashiers check for my full remaining balance and I opened an account with a safer bank. 
After reporting both wire fraud instances to Citibank, I also filled out an affidavit of unauthorized wire transfer that Citibank requested for both fraud instances and emailed them to XXXX After that I spent the next week calling asking for status, I was told that at most the investigation could take 90 days. 
Once 90 days passed without receiving any information from Citibank I start calling into Citibanks Wire Fraud Escalation Department as well as the IRU department often ( every week/two weeks ) and get the same response that my case is pending approval and I should receive a letter in 7-10 days.

It has now been 5 months, or about 150 days since my initial fraud instances I have heard nothing about the status of my case. Citibank keeps telling me I will receive a decision in 7-10 days but I never receive or hear anything from them.

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 monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for HAF program through Massachusetts. I sent all the information needed for review. Santander Bank refused to send my payoff with the deadline so my application was denied. 

Can you please investigate this matter and ensure that I receive my HAF. 

Thank you. 

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 2023-05-23
Company: Experian Information Solutions Inc.
State: CO
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:
There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX- reporting on XXXX but XXXX and Experian have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on Experian but XXXX and XXXX have already removed this account XXXX original balance and monthly payment reporting different on each report XXXX- condition wrong XXXX- current balance, original balance, limit, monthly payment and last payment all reporting different

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Capital One Claim # XXXX Capital One stated that I needed to provide a letter from a third party stating that the vending machine I. purchased from the merchant was unrepairable. I have provided this document as requested. I also emailed it to Capital One, but I have not received a response and am now unable to get a representative on the phone in the dispute department.

Company response to consumer: In progress
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 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 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 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX SUN TRUST reports two federal student loans. The Honorable Donald Trump signed a law forgiving the student debt of 100 % XXXXXXXX XXXX. I am a 100 % XXXXXXXX XXXX I submitted the documents to have my loan forgiven and removed from my credit report, and yet XXXX SUN  TRUST continues to report the debt as valid.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: KS
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 ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
In XXXX, Truist Banks Inc began to repeatedly call me at XXXX XXXX  in regards to debt that I do not owe. I informed my lawyer XXXX XXXX who submitted a cease and desist on my behalf as of XX/XX/14 the calls have began again.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 


2. Acount XXXX XXXX XXXX  Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate. 


Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX

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 2022-07-02
Company: Davis and Goldmark, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. States Ihave 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

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my bank is allowing someone using my identity to file claims and are doing reversal and clearing the funds without my knowledge from XXXX thru XXXX my total is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Caneel Capital, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
This loan was originated as a line of credit from XXXX XXXX XXXX  of {$49000.00} which a total of {$9800.00} was drawn for use. The XXXX XXXX XXXX  closed our line of credit in XXXX and transferred our loan to XXXX. We paid on this loan until XXXX of XXXX. Our mortgage was with XXXX XXXX XXXX  and was modified with over {$50000.00} in loans written off and forgiven. This was a mix of all mortgage debts XXXX XXXX, XXXX, XXXX XXXX  We noticed that our home has a deed of trust when trying to inquire about selling our property. 
This deed of trust was a company named XXXXrinity Financial Services which bought, transferred, or received mortgage notes. Trinity sent letters demanding payments and offering debt mitigation. After some time Trinity has now threatened foreclosure or lump sum payments of debt. How can this happen? We are in our seventies and live off social security and a small annuity. Is there any help available?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery continues to report inaccurate information on my credit bureau report with XXXX and XXXX regarding a debt I do not owe. I requested " validation '' of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, with competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them ( Portfolio Recovery ). Portfolio Recovery never provided any information bearing my signature of any debt I owe to them. Portfolio Recovery continues to report false and inaccurate information on my credit bureau reports for a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I transferred {$1000.00} to a friend using the boa app and my friend never received the money. He went to the bank there and said they were not sure and it would take a long time to investigate.

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 2022-06-29
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is an addendum to XX/XX/2022, " CFPB complaint # XXXX, requesting arbitration. 

" Shellpoint '' has since provided more information proving breach of contract, violating RESPA, and UDDAP in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation