BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute to Transunion Consumer Solutions on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX am. It states in the Fair Credit Report Act 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) They have a 5 business  day period to let me know that the item in question is being disputed, which I never received ; which is the first violation of the Fair Credit Reporting Act in regards to my dispute. Also, the second violation regarding my dispute again, 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) States the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or " DELETE '' the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Again, it was mailed out on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX XXXX. According to the Fair Credit Reporting Act they are in violation, not once but twice. We are currently in XX/XX/XXXX and that is way pass five days and thirty days and I did not receive any piece of mail, documentation or proof that anything was being done in regards to my investigation. This must be deleted immediately. I have attached proof of my dispute letter, proof of mailing mailed via certified mail with electronic delivery and an email with proof as well. 

These credit Bureaus are tricky and like to play games with consumers. Once they get this from Consumer Financial Protection Bureau, that's when they will get on their job and do what they were suppose to do in regards to my dispute two months ago. That will not be accepted as I have stated what happened in this complaint, along with proof of everything. They are in violation. I am very aware of my rights and it is now two months in and this credit bureau is not complying with the Fair Credit Reporting ACT or any other procedures " ITEM MUST BE DELETED 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 explanation
Consumer complaint received 2016-10-25
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was applying for a refinance of my Ditech FHA loan. I wanted to get cash out. The refi was with Ditech. I was strung along for over XXXX weeks. They kept telling me everything was good and not make the XX/XX/XXXX payment. I asked over and over again. They told the loan was good to close and about a week before started asking me for all these things that they needed. XX/XX/XXXX the day before closing they said the loan was not approved. Still have to pay my XX/XX/XXXX payment eben though I have a email saying that I dont. THEY ARE LIARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.

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 2022-06-20
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried customer service, and bank location # s. Every time i've gotten the message " call back when we're open at XXXX XXXX '' even though I call past XXXX. There is no way to contact their customer service #! 

This company ( First Interstate Bank ) did a buyout of my bank ( XXXX XXXX XXXX  ) and for WEEKS i've been unable to reach a representative to give me access to my accounts. 

The previous login information for XXXX XXXX Bank doesn't work, and neither does their XXXX  application. 

On XXXX reviews they CLAIM that this is a " transition period '' but that merger happened weeks ago, and why would that affect the parent company 's customer service lines improperly telling customers that they're closed, HOURS after they open?! 

Go ahead and dial their customer service number ( XXXX ) and TRY to get through to an actual representative. It is impossible. 

They took my accounts from XXXX XXXX XXXX  and have STONEWALLED not just me, but many other customers from accessing their accounts FOR WEEKS. This is criminal. Please look into this, I beg you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I experienced what I describe as an attempt to intercept and deny my access to a valid credit opportunity. As well as an unfair and deceptive act against me in a financial transaction.

On that day, XX/XX/XXXX, I went to the " XXXX XXXX '' ( XXXX XXXX XXXX XXXX, according to my credit report ) car dealership in XXXX California and completed a credit application with a salesperson. I was told almost immediately that they would get me financing and to just be patient, which I did and is understandable. Once my sensitive personal information was given all communication was via text message. 

After well over a week of waiting, and near a dozen inquiries on my credit, I was told that they were unable to get me any kind of financing. I told them I was willing to accept a counteroffer or sub-par loan due to my circumstance and I was reassured that there was absolutely no offers given to me by any company at all. 

I have now, almost 2 months later, received a letter from Capital One Auto Finance stating that they extended me an offer of credit on XX/XX/XXXX ; and that this offer is no longer valid. My credit score was lowered due to the inquiry by Capital One Auto Finance, while the offer was never actually presented to me in any form. 

I was unable to get to my job and missed two 8 hour work days after XX/XX/XXXX. This would not have happened had I been extended the offer made by Capital One Auto Finance on XX/XX/XXXX. 

This does not seem like an act of fair credit reporting nor a legitimate use of pulling my credit score. I have an equal right to credit, but I can not access this credit when my sensitive personal information is being abused and mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.

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 2016-03-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
EVERBANK is showing that I was consistently 30 days late on payment for my home for months in a row.this has never been the case. Even after the home was SOLD they are yet reporting late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: MA
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 responding to a previous complaint # XXXX. EXPERIAN said they contacted a public records company to verify my non public personal information on my consumer report. I never gave EXPERIAN or any alleged data furnisher my written permission to share any account information on my consumer report. If I can clearly see that 15 USC 1681b ( 2 ) states a consumer reporting agency may only furnish a consumer report with written instructions from me why does the consumer reporting agency continue to say they are verifying accounts on my consumer report with an alleged furnisher??? Delete the following accounts due to lack of written permission from my self the consumer to whom it relates. 

XXXX XXXXXXXX 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 2015-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an Access checking account with Citi for use of stipend funds for foster care so that the money would be kept separate from my personal finances, and could be used as needed for the care for my XXXX XXXXXXXX. I opened the account XX/XX/XXXX and funded it with 2 checks from my adoption agency, XXXX XXXX XXXX, using electronic ( mobile ) deposit on XX/XX/XXXX. the checks were accepted and indicated " funds available '' within 3 business days on my Citi app and when calling the automated Citi customer service line. 
I did not access the account for several weeks until last week ( XX/XX/XXXX ) when I needed to use funds for one of my foster daughter 's band booster payments. The account was locked and funds could not be accessed. I contacted Citi XX/XX/XXXX about the issue. I was transferred at least 5 times to various departments, and was finally advised that the funds were pending verification of the checks ( from a month previous ). I asked why I had not been contacted if additional information was needed, but got no answer. I called again the same day for status update, assuming that someone had contacted the issuer of the checks. I was told that I NEEDED TO VERIFY THE CHECKS. I provided all of the information that I had ( several times ) and then explained that I am not a bank -- it is not my responsibility to verify checks. I called the following day ( XX/XX/XXXX ) and spoke to another " security rep '' with Citi who was barely English-fluent and who was incredibly rude and told me that nothing would be resolved unless I verified these checks. There was literally nothing else that I could do to work with Citi to resolve this, and was told that there was nobody else I could talk to. When I expressed extreme frustration, the rep hung up on me and I decided that I needed to explore another avenue to resolve this. 
I contacted the issuer of the checks, XXXX XXXX XXXX XXXX department, who confirmed that the checks cleared and the money debited from their account on XX/XX/XXXX. There is nothing pending verification, and has not been. I suspect that I have been defrauded somewhere in the Citi system, but there doesn't seem any recourse for it. I can provide additional supporting documents ( emails, account information ) as needed.

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 2021-11-26
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sequium calls my work number several times a week and leaves no voicemail. Phone number is XXXX. Research shows they are a debt collector from XXXX, GA and collect for XXXX, XXXX, XXXX, etc. I have no unresolved or past due debts with them or anyone else. They have a plethora of complaints about them out there on several different platforms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account

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 2020-01-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CD on XX/XX/2019. I was told that they would notify me before the CD matured either by phone, mail or e-mail. I received nothing from them. When I went to the bank to find out the maturity date, they told me it was already matured and renewed. They renewed it for almost nothing 0.001 % for one year. Nobody in their right mind would renew a CD for that kind of return. I believe this is an intentional practice by this bank, taking advantage of people especially the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.

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