BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-03-03
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 Account, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX Account XXXX : XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I view into my credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX : {$5800.00}

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 non-monetary relief
Consumer complaint received 2023-04-07
Company: AES/PHEAA
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 status incorrect

Complaint:
On XX/XX/2022 I was notified by FedLoan Servicing that my loans were being transferred to XXXX. Now my loans are duplicated on my XXXX report. I have attempted to get them to remove the duplication multiple times since XX/XX/2022, but they deny the dispute every time, despite evidence from both My XXXX and XXXX. This doubling of my loan has resulted in higher interest rates for auto loans and has been extremely frustrating. 
I am attaching the notice from FedLoan Servicing that states my loan will be transferred and the " Welcome Letter '' from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NC
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:
When I view into my credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-21
Company: FCI Lender Services Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am seeking to ask the owners of XXXX XXXX or Private Lender Company some questions regarding why they opted to not participate in the IHDA program whom was going to pay my arrears on the mortgage I am behind. Also to ask them if they are willing to take a certain amount from an insurance policy settlement from me and allow me to become current on my mortgage so that I can finish my renovations and receive the XXXX XXXX in escrow, Im sorry construction escrow. I didnt find out until closing this was a Construction refinance loan. An attorney I spoke with briefly mentioned some of the things I have described sound similar to bad practice violations. I am aware the lender is not obligated to participate. However the debt would have been paid. So it appears the foreclosure is being forced in a sense. I could be wrong though. Thats where Id like the expertise of CFPB

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have a Citibank credit card and they suddenly informed me that they are " closing my account '' with no explanation, even though I have had no payment issues, and have asked for explanations multiple times. I have called Citi customer service 4 times in the past week, and every time, the representative tells me something different. One representative told me they couldn't re-issue me a card because of something on my " credit report '' and I have to " call the credit bureau to find out why Citi can't reissue me a card. '' ( I then checked my credit score on XXXX, XXXX, and XXXX, and all three list my credit score as either XXXX or XXXX. I have a very good credit score and no issues paying my Citibank account. I make over {$300000.00} in salary annually. ) Another Citi representative told me my account was closing and they had " no idea '' why it was closing. A different Citi representative told me they would " raise a complaint internally '' about my account closing, but I never got a response from that. A fourth Citi representative told me they would " send me a letter '' electronically or via paper mail explaining why they were closing my account, but I have not received an electronic message or paper mail explanation. 

I have held a Citibank credit card for years. Every month I pay the entire balance due, and I pay on time. I have never had any issues getting replacement cards for new cards once my prior card expired, including from Citi itself. I do not know why Citi is refusing to reissue me a new card once my account expired in XXXX, but it is apparently not based on my payment history, and they are refusing to tell me why. I think this company should be held accountable for its horrible business practices.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: WA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-12-22
Company: EQUIFAX, INC.
State: WA
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 8th attempt to inform you that I am a victim of identity theft and that I wish to contest some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XX/XX/XXXX, XXXX XX/XX/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 2023-08-21
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They have called before XXXX. I have asked them to stop previously, but there is no respect for my personal time. Although my cellphone number has a GA area code, my address has always been in AZ and they should have never been confused about calling before XXXX XXXX. This is not okay. I have made arrangements to make a payment yet I am still harassed and not within appropriate hours. So hurtful to my relationship with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}

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 non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXXXXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

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 2023-08-21
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As you can see in the attachment below there are clear discrepancies, inaccuracies pertaining to this account that have been continuously placed on my credit report by said furnisher, LVNV Funding. 
The following are listed below : - The three credit bureaus have two different dates on which the account was opened which can't be possible ( XX/XX/XXXX and XX/XX/XXXX ) -As you will see in the payment status column two of the three bureaus have listed this account as a " Charge off '', while the third has it listed as " Late 120 days ''. 
-There are two different dates listed in the " Last reported '' column ( XX/XX/XXXX and XX/XX/XXXX ) -Also three different dates listed as The date last active ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I called US Bank when someone attempted to log in to my online checking account using my email address. The customer service agent instructed me to change my username and password. I did so. 

On XX/XX/2022, I tried to use my debit card connected to the checking account and it was declined. I tried to log on to my online account, using the new username and password, and was locked out of the account and could not log in. 
I called US Bank and they informed me that my account would be closed, and that I would be able to receive the remainder of my funds by visiting the local bank branch. They did not give me a reason for closing the account. They told me it was being handled by the XXXX Department. 

On XX/XX/2022, I received XXXX notices in the mail from US Bank that they had reversed transactions to my account that were reported to them as unauthorized. 
The total amount from the reversed transactions is {$2200.00}. 
I did not report any transactions as unauthorized, and I do not know who reported them as unauthorized. 
The reversed transactions to my account were dated XX/XX/XXXX thru XX/XX/2022. US Bank was not authorized to reverse these transactions and was not authorized to remove any funds from my account. 

My account with US Bank is still closed, and I have not been able to receive any of the remaining funds in my account. I have also not been able to log on to my online account to check the balance or status of the account. I have called the local bank branch twice, and they were unable to help me. All they could tell me was that the account closure process was not complete, but could not provide a date when it would conclude. 

I applied to open another checking account with a different bank and my application was declined by XXXX XXXX XXXX. I've requested a copy of my Consumer Report from XXXX XXXX XXXX at 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 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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