BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a mortgage on a property ( no existing mortgage, no other liens ). Property was assessed at {$440000.00}. Loan amount of {$150000.00} denied because " Value or Type of Collateral not Sufficient. '' Dishonest banking practice throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over XXXX XXXX XXXX. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for XXXX years.

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 2020-07-17
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:
I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent me an email that someone had accessed my credit report & i had not applied for anything credit wise - i found a company called XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX had accessed my credit report without my consent- i called them and they said someone in California had applied ONLINE for a credit card in my name and they did not issue because of too many inconsistancies ... i ask them to remove the HARD hit from my credit as i had not signed anything or given them consent - i put fraud alert with the XXXX major reporting services- and sent them proof of my residency in Fl -- -- i sent a letter to XXXX XXXX Bank as well and called them which they kept telling me to send the info along with a FTC report to the credit bureaus and to date they still have NOT removed their HARD hit -- -- -why am i being punished and made to do all this work when they were the ones that illegilly accessed my credit report - and it was obvious from the beginning it was FRAUD so why will they NOT remove their inquiry?

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 2017-05-24
Company: Bread Financial Holdings, 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:
XXXX   XXXX   XXXX      - Notified by  XXXX  that someone had tried to open an account fraudulently     XXXX   XXXX   XXXX     -  XXXX  did  a 3-way  call with Comenity Bank,  XXXX , and Me to have this removed    XXXX   XXXX   XXXX    - Comenity Bank stated they would contact the credit bureau and have the hard inquiry remov ed   XXXX   XXXX   XXXX   -  Received a letter from Comenity Bank stating to give it 45 days to have the inquiry removed Contacted  XXXX  4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today ,   XXXX   XXXX   XXXX      it has now been 63 days since this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX my wells Fargo checking account was frozen at least 3 times without notice, 2-4 suspicious overdraft fees. Purcase disputes, fees charged after making XXXX plus purchase throughout the month.

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 2020-03-27
Company: CITIBANK, N.A.
State: MA
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:
I've had a Citibank credit card since XXXX. Ten years ago I got a CitiBusiness card which I used for my small business. For my business I have a XXXX XXXX XXXX. I had work done on it last spring by a shop that specializes in XXXX repair. Not only did the work take an extraordinary amount of time but it was poorly done. I quickly let the merchant know that his work was not holding up and that, in fact, he'd damaged some things on my vehicle. I had hoped that he would stand behind his work but it quickly became apparent that he was not going to do anything as he refused to return phone calls or emails. I contacted Citibank and disputed the {$7500.00} charge. I provided Citi with estimates and bills from the merchant as well as my emails to him attempting to resolve the issue. I also wrote a detailed letter explaining what the problems were and that I had tried to resolve the issue with the merchant. I did this in a timely fashion but did not hear back from Citibank for four ( 4 ) months. When I called them they said they'd tried to reach out to me but had been able to contact me. I received no calls, emails or other correspondence during that time. I called them half a dozen times after that only to be told someone would contact me regarding the status of my dispute. The only contact they made was a letter stating that they could do nothing to resolve my dispute because I had not returned merchandise to the merchant. I spoke to a supervisor in the billing dispute department and told them there was no merchandise to return and that my dispute was about a service that had been provided. The supervisor said the wrong paperwork had been filed and that they would refile my complaint. Today I got another letter stating Citibank could do nothing to resolve my complaint because I had failed to return merchandise to the merchant. I don't believe Citibank ever had any intention to resolve this dispute. After 32 years I will be getting a new credit card.

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 2015-08-12
Company: American Financial Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I went to apply for a mortgage loan and the lender informed me that I was denied due to not having a credit score or history with Equifax. I immediately contacted Equifax and after several unsuccessful attempts of trying to verify my identity I was told I would need to fax over my identification and other documents to verify my account. After faxing the documents in I was told I would need to wait 7 businesses days until everything could be processed into the system. After waiting a full 14 business days I was then told to try back later because they still did not have the documents or to try resending them. I eventually was able to successfully reach an Equifax agent through the Equifax Mortgage department who after verifying my identity informed me that nothing had been reported to my account since XXXX, they did not have an address on file for my account and the issue was not on their end that I should try to contact my creditors and make sure they are reporting to Equifax. 
After contacting both creditors they assured me they were reporting to all three major bureaus and XXXX XXXX even went as far as to call Equifax with me on the line and Equifax told us that they were unable to disclose any information at this time and I should try back later. 
At this point with no clear issue or direction I am unsure which route to take. Both XXXX XXXX and XXXX  have all of my data on file and are accurately reporting my debt, According to Equifax the issue is not on their end but Myself and no other creditors are able to pull a report or score from them and they refuse to provide me with any clear direction. My family and I are in jeopardy of being displaced and the one major credit bureau whose in control of credit monitoring refuses to resolve this issue that they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dynamic Recocery Solutions started contacting me during the national pandemic to collect a 16 year old debt from XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your 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 2017-05-24
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 have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX    2017   to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute    XXXX   XXXX  2017     in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified . It has now been 60plus days  an d 3  disputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE MINU TE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it i s prevented me from obtaining a mortgage.

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 2016-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.

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 2016-04-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I just wanted to ad a quick note to previous complaint number ref XXXX I have not gotten any of the the info that I have ask the reporting agency to send me. also any of the requested info they have claimed to have investigate my dispute they tell me to contact the creditor but per the fcra section 609 act states that the reporting agencies has to have my sign ORIGINAL documents on file if the consumer request that info FROM EXPERIAN has to provide the info. at this point this company is in violate of the united states federal law I have a attached a file in the supporting documents of the US LAW AND I HAVE ASK THIS EXPERIAN FOR THIS INFO 10 TIMES AND THEY HAVE FAIL TO COMPLY WITH THE LAW PLEASE SEE ATTACHED DOCUMENT

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 2015-07-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/22 I received an email from Capital One that I had been hand selected and " Pre-approved '' to apply for a " Business Credit Card '' I filled out application with my Business Name and XXXX. My name and date of birth. I wasn't approved for the Credit Card but then I get notifications on my personal credit profile that Capital One has checked my credit. No notification or inquiry whatsoever from my Business credit monitoring service. Capital One baited me into applying for a business card with the pre approval and hit my personal credit report instead which I didn't give permission to do. I spoke with several reps for the company and was escalated to the highest dept and wrote letter asking them to remove this fraudulent inquiry from my personal report. To no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX 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 2020-03-27
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke to Ability Recovery Services and asked to settle my account, I was told I could settle my account and I requested a letter with information in order to do this. They assured me they would send me a letter with information regarding my account. 
One week later I still had not received a letter, I called Ability Recovery Services again, I was then told they sent it to the " wrong address '' I gave them my address again and they assured me they would send me a letter. 
One week later I still had not received a letter. I called Ability Recovery Services a third time and this time was told that they could not send me a letter legally and would have to speak to their lawyers in order for me to get a letter? I was very confused by this as they had said they sent one.

I told them since I was working with a financial advisor I needed my debt settlement in writing before paying, they told me they could not provide that to me until AFTER I paid them not before. This seemed fishy to me ... as I have been paying off all my debts and every other debt collector had no issue sending me a letter.

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