BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. 

Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX & US DEPT OF EDUCATION 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 2022-09-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My name is XXXX XXXX, I have CITI checking account ending XXXX. I have an emergency to move the money from CITI to XXXX bank by the end of XX/XX/XXXX. There is something with the CITI XXXX banking that shows the incorrect available balance information in the checking account, see the attached PDF file for the transaction history showing the IT errors. On XX/XX/XXXX, it shows I have an available balance of {$31000.00}, so I initiated the {$20000.00} outbound transfer. However, the XXXX bank told me the transaction is rejected due to insufficient funds in my CITI checking account, which is not the case, as you can see from the transaction history, even after transferring the {$20000.00}, the available balance is still {$11000.00}, which is not negative balance. I think there is some IT issue with showing the correct available balance in my checking account, which causes me to transfer money more than I have in the account. In order to meet the deadline of XX/XX/XXXX, I have to send a wire transfer to the XXXX bank, but CITI charges me {$25.00} for the wire fee, which is not reasonable at all since if CITI has no IT problem, I no need to send the wire. I called CITI customer support and they told me the wire fee will be waived. But I don't see it happen.

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 2022-09-29
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Equifax deliberate scheme to willful non-compliance. On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail XXXX. On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity. Equifax is not abiding by the laws of the FCRA. I called Equifax on XX/XX/XXXX and spoke to agent XXXX and advised that the ongoing inaccuracies I found on my consumer reportof the student loans and personal data has been negatively affecting me. Agent of Equifax stated there is nothing can be done as she stated all data is only good for 90 days. when I sent disputes Equifax has totally ignored me so that is the reason am requesting your office to assist me with this ongoing issue with Equifax. This whole experience has caused me significant emotional stress, anxiety, sleeplessness, injured my credit reputation, denial of credit, financial hardship, and loss of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX, Account number : XXXX, Account name : XXXX XXXX, Account XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX XXXX XXXX XXXX Account name XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX, account number : XXXX Account name : XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX note : credit bureaus won't give me full account numbers of the above accounts 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 an 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 2022-08-01
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2022-09-29
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:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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 have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ive had XXXX payroll checks deposited into my account. Each of which they have placed holds on my account and the check. They have just taken every XXXX from my account saying the funds weren't available. I have gone to the branch and they refuse to help and i have spoken to XXXX loss prevention supervisors over the phone XXXX of which hung up with me. Ive requested to speak with a department manager and have yet to receive a call. Ive been told multiple lies and they have not resolved the problem. Im looking to hire a lawyer to resolve this issue for time loss and also damages because they have taken my money that i have worked for, how will i pay my bills, my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 and Trans Union are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is serviced by XXXX XXXX XXXX and they foreclosed on my property on XXXX. The last mortgage statement from XXXX, I owed {$92000.00} at the time of the foreclosure. My property sold for {$130000.00}, so there is a sizable overbid available. XXXX has refused to issue their final lien amount to the court, even though many requests have issued regarding this. I have an attorney representing me on the overbid claim... it is clear that XXXX is stalling to try and over collect on the balance due. They are trying to strip away the equity left that is due to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MO
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 these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX 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 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received a debit card from Capital One which I did not request on XX/XX/2022. I called the number provided on the card ( XXXX ) and told them I have not asked for one. They said they will close the account but they refused to give me any confirmation number or even the name of the agent I talked to. They refused to give me a copy of the application on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MN
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In an effort to improve my credit score, I found a company called Self Inc., also known as Lead Bank Self Lend.

By making payments into a savings account, they would report a positive line of credit to the 3 Credit Bureaus. Also, at the end of my term, I can collect on the savings I've built.

Unfortunately, I had to cancel the service and in doing so ; the expected outcome is that they would refund my money saved.

The point of this dispute is that the company attempted to automatically withdraw funds from my account AFTER I already closed it ... .AND the funds received from my savings account was far less than what I had saved.

# 1. Records show ( see attached ) that I closed my account on XX/XX/XXXX at XXXX. According to my bank, I had no pending charges from Self Inc. 

But on XX/XX/XXXX, a pending charge was triggered which resulted in an over draft fee with my personal bank PLUS a {$15.00} return fee with Self Inc.

So ... if I just closed my account, how can this company continue to automatically withdraw funds??! 

I raised my concerns with them and their response is that they attempted to withdraw the money on XX/XX/XXXX. But again, my records show that the transfer wasnt attempted until the XXXX. 

And all other payments ; according to my bank was on the XXXX of each month. 
# 2. Records show ( see attached ) that my savings balance was up to {$75.00} ... but the amount received was {$36.00}. I have no clue as to why I only received half of what I saved, and their records arent clear on how they arrived to this amount. 

I regret that I have to go to this length to collect on money I've saved, but I feel it necessary to resolve this dispute. 

Should you have any questions about this claim, and it's attachments. I welcome the opportunity to discuss this further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation