BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$5.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$51000.00} OAG CHILD SU XXXX XXXX : {$5000.00}.

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 2023-04-27
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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

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 2023-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I made a mobile deposit. The check was in the amount of {$1300.00}. The bank made an error and only credited my account {$1300.00}. When my employer brought it to my attention that they shorted me {$40.00} I called the bank the first week in XXXX. I had to wait well over an hour for a customer service rep to get on the phone. She said that the bank would fix the error and we should have the credit by XX/XX/2023. As of today they have not credited us the {$40.00} that they shorted us and I have attempted to call them multiple times and have also utilized the online chat feature but have never been able to speak with a customer service representative. You are just kept on hold indefinitely. Even the Chat feature is unmanned ( transcript attached ). I tried the chat feature and called again today with no live person for over an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I got a vanilla gift card at XXXX on XXXX for XXXX $ dollars and when I wanted to put it to work it told me I had no funds.. I called the company and they never got back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I was supposed to receive a wire transfer from a client of {$1500.00} from XXXX XXXX into my Bank of America business account. Both banks have lied and mislead false information and I still haven't received my wire transfer. XXXX XXXX told the person who was supposed to give me the money that it will take only 30 minutes for the money to be transferred into my account. This was told at XXXX XXXX on XX/XX/23. I went to my bank to inquire about the money transfer and I was told it would only take 2 hours, but by this time, 3 hours have already past. The time I was at my Bank was around XXXX XXXX I was then told to call the customer service line of Bank of America about the problem. I got very confusing information from multiple people and now I believe they're holding my money purposely and it could be XXXX discrimination involved based on the treatment I've been getting between both banks.

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 2023-04-13
Company: EdFinancial Services
State: NY
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:
the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please see attached document. Citizens Bank continues to violate me as a consumer under federal law even after recent actions taken by the Bureau of Consumer Financial Protection. I have also filed complaints with the AG. Citizens Bank has 30 days from the date of this complaint to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose

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 2023-02-04
Company: Debt Recovery Solutions, LLC
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ a letter was sent to Debt Recovery Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX to attempt to validate a debt they have on my credit report in the amount of {$680.00} ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The return receipt was signed for by what looks like a XXXX on XX/XX/ and the company has refused to validate the debt or send any information about the debt. This debt under law should be removed immediately from my credit report for their failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2023-04-27
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought some item from XXXX using Affirm on XX/XX/2023 the amount was XXXX, with a month payment of XXXX. This item appeared on my XXXX report XX/XX/2023. This is a buy now pay later company. I paid the entire remaining balance off of XXXX on XX/XX/23. Affrim is reporting on my credit report XXXX. I dispute it, all Affrim did was change my remaining balance to XXXX when it should be XXXX. The dispute the amount again on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt XXXX. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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 2023-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent in the Lending Act 15 USC SECTION 1601-1692 and asked verification of these claims of the debt I claim to owe.

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 2023-04-27
Company: 90 Day Credit Experts
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
The company is called XXXX 90 day credit repair where they guarantee a 100 point increase in 90 days. I signed up in XX/XX/2022 for an initial amount of {$99.00} nothing happened. The next month a withdrawal of of {$300.00} was trying to come out of my account and this was not discussed. I called the company within 30 days of signing up and they stated I could not cancel for 90 days and I must pay the fees, but I told them you are not doing any work. What am I paying you for? Then I started seeing an entry on my credit report as a loan installment contract. I did not receive a loan from this company and now its reporting from XXXX until XXXX I owe them {$1800.00} for services never rendered that I asked to cancel, of them harassing me, and them running my score worse than the XXXX that I had. I have disputed with credit bureaus several times to verify the debt with original documentation and the credit bureaus keep telling me that this company has certified this is valid. My next step is litigation against all 3 bureaus and XXXX. This is my last step for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: RGS Financial, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RGS Financial in care of XXXX XXXX, is constantly harassing me about a complaint from me to CFPB about XXXX Financial.After your investigation into XXXX, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send RGS to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: NY
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 I received a text from Citibank questioning authorization on a transaction. I thought it was a phishing scam and ignored it. I later checked my email and saw they emailed me too about an unauthorized purchase for {$1000.00}. I called them immediately to let them know it was not me. They told the purchase was approved but a second purchase for a higher amount was declined. I answered all their questions. I thought I had my citibank card but when I checked my pocket book it was gone. I didn't realize this until I was on the phone with them. My kids are authorized users and we were all together when this incident occured so I know they did not use the card. From speaking to the Fraud Dept, this purchase was made in XXXX Maine. We live in XXXX, NY and were in XXXX when this happened. I did not make this purchase, my XXXX sons who are authorized users did not make this purchase. It was done without my consent and authorization from someone who has my card. I am a victim of fraud and identify theft. I explained this to Citibank multiple times as I am disputing this fradulant charge and they are holding me responsible to pay back {$1000.00}. This is a matter of fraud. I am the victim and I should not have to pay for something I did not authorized. I was not even in the state where the purchase was made. I have been very compliant with Citibank answering all there questions. Today I get a letter that the case been closed and I am responsible for the charges. This is not right. I am a victim of fraud and identifty theft and I have to pay it back. This case was not been handled well. I want to be released of these fraudulent charges.

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 2023-07-10
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My savings account at Citi Bank has been labeled inactive for 1.5 - 2 years. This account was made inactive because I did not have a withdrawal on the account for XXXX years, even though I deposited money in the account monthly ( because its a savings account... ). 

I first tried to resolve this aout 1.5 years ago, after talking to CITI, I was told to write a letter with my account info and asking for the account to be reactivated since there is no branch in my state. I complied with their resolution and they never received the letter. 

Attempt XXXX, I was told that a manager would personally contact me and I was never contacted. I resent another letter to the branch and once again the letter was not recieved. 

Attempt XXXX, I called and reverified the address and sent the letter priority mail with tracking. After the tracking said the letter was recieved I called a few days later. No letter was recieved again and the confirmed address they gave me last week is now the wrong address. The only fix for this is to countinously waste time and money on sending mail for them to never get it. Their system is broken and when you ask for a different way they will tell you their XXXX is busy and will call you later which then never happens.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is still reporting on an account that was closed and transferred in XXXX. As of XX/XX/XXXX they reported that the account was in an active collection with a {$0.00} balance. They should not be reporting at all on this account. I was about to close on a purchase of a home and this completely derailed me from purchasing a home and I was denied credit. I want this trade line removed 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