BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.

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 2022-07-09
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.

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 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America ( BOA ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 Bank of America employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( BOA ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by BANK OF AMERICA, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from Bank of America for my camper and it was paid on time and in full to Bank of America. I have written letters, I have done everything ( BOA ) has asked me to do still no results. It started back in XX/XX/2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.

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 2017-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks

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 2022-07-09
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX & Account # XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: AFNI INC.
State: MI
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 retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it 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 2017-10-24
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I first found out this debt was sent to collections via phone only and never received a notice a call at all even up to today. I spoke with XXXX XXXX regarding the account in the month of XXXX. I updated my address as well since it was inaccurate. I informed the company that I am disputing the debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would need to get back with them once resolved. The representative threatened that he will report this on my credit and will impact anything i get in the future if a payment was not made today. I was forced to pay account after continuous calls and threats from the company and never hearing back from XXXX XXXX XXXX which a complaint was filed against them with CFPB as well. More importantly, the representative assured me that if I made a payment prior to XXXX therefore the account will not be reported to the credit bureau. I made payments on XXXX & XXXX which totaled out to be {$320.00} and satisfied the entire balance. Recently, I looked at my credit report and see that the account was on my credit. The company lied and harassed me until I made a payment and even smirked when I told him that I am disputing the account with XXXX XXXX XXXX. Also, I sent an email requesting the company cancel any collection attempts until account is resolved with XXXX XXXX XXXX on XXXX/XXXX/17. I never received a response from them at all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX my bank submitted a check to Navient to pay student loans on my behalf. Navient failed to correctly process the check and it was not reflected on my account. I called Navient and had the representative submit a help ticket to find the check and deposit it in the account. On XXXX XXXX I called Navient to check on the status only to find the check was found and sent back to the bank on XXXX XXXX against the instruction to deposit the found check into the account. Now I need to wait for the cancelled check to be returned to the third party and need to pay Navient the interest on the loan that was not paid off because of Navient 's failure to properly process the check ( even though they were able to find it during the help ticket investigation ). Navient charges a {$15.00} fee on late payments on loans but fails to quickly and correctly apply funds with their self-designed check processing system. Navient also fails to notify customers who require help tickets when there has been a status change on the ticket. Finally, Navient continues to charge interest on loan amounts that would 've been paid off had their processing system operated correctly. I have had to speak with 4 separate call center representatives that have no power to help me and can only submit internal, untraceable, and unaccountable help tickets that are not seen by the customer. Navient has taken deliberate efforts to limit communication and speed of response with their customers for financial gain through interest on loans not processed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, 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:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
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: Was not notified of investigation status or results

Complaint:
Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, experian, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2022-07-09
Company: EQUIFAX, INC.
State: VA
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:
DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} All these accounts have been paid in full but still reflect on credit.

Remarks ACCT CLOSED DUE TO TRANSFER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/22, I attempted to transfer {$10000.00} from my XXXX XXXX  ( Texas ), Checking XXXX to my Citizens, XXXX Deposit Checking XXXX after lengthy verification process confirming that that I am an owner on both accounts. Over the weekend, I was notified that my bank transfer is stopped due to security concerns. I was told to call Citizens Bank phone number at XXXX for additional assistance. The average wait time to reach a representative at Citizens Bank phone number XXXX is over 90 minutes. Giving the amount involved, I called Citizen bank on Saturday XX/XX/22, Tuesday XX/XX/22, Wednesday XX/XX/22 and Thursday XX/XX/22 each time spending over XXXX minutes waiting for a representative to correct the error made by a representative a day before. Each time I was told that the bank transfer is cleared, blocks are removed and my account at the corresponding financial institution is debited. I have received a series of conflicting Citizens Bank Messages ( attached ) prompting me to call the bank again and again in attempt to resolve the issues with my bank transfer. It appears, in meanwhile, my money were shuffling back and forth between my account at Citizens Bank and my account XXXX XXXX  ( Texas ). Finally, on Saturday, XX/XX/22, I was explained by a Citizens Bank XXXX, XXXX XXXX, that Citizens Bank is using a third party, XXXX, which is unable to complete the transfer because Deposit Checking XXXX is joint account with my husband. I dont understand why I was not explained it before on on Saturday XX/XX/22 when my transfer was approved by another Citizens Bank supervisor who unblocked the transfer then. It is not acceptable to have a 90 +minute wait time on the phone and having repeated 90+ wait three days in a row is amounted to a torture by Citizens Bank Call Center , when one hand at Citizens Bank doesn't know what the other Citizens Bank hand is doing. Citizens Bank is saving money understaffing its phone support but it should not have done so at the expense of own customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: U.S. BANCORP
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a bad check submitted into my US Bank Acct. and now because nobody did their job properly I 'm being held responsible for using it. It was from an XXXX banking service from a XXXX Texas XXXX Bank that opened an account for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was using illegal identity. This was confirmed by the XXXX Police XXXX. in NM. This check for {$2900.00} was deposited through an online banking service. I was notified through the alert system of US Bank that I had {$2900.00} available immediately. I proceeded to use {$1000.00} of it and since I have a limitation on my withdrawals in a days time went to the bank to request more money at the US Bank, XXXX XXXX only to find out that the check was n't any good. Being an out of state check there should have been a hold placed upon it for several days and that was n't done. According to the bank XXXX, XXXX they get many of these checks every day, not my problem. I 've had my account shut down and demands to repay {$970.00}. I do n't feel this is right. Not only did this man do this once, but the next day or the day after he proceeded to try and place another fraudulent check into my account for another {$2300.00}. XXXX caught this one and called the police -- XXXX XXXX XXXX. I spoke to this XXXX and wanted to press charges. Was told I could n't because according to him this man probably lived in XXXX. I 'm being told constantly of the scams that are going on through the internet. I would guess that I receive XXXX scams a days in my spam folder of ATM Cards equaling XXXX of dollars, of money that a person as left after XXXX in my name. Just supply my name, address, phone number and they will contact me with the balance of the information. YEAH RIGHT, AT A COST TO ME OF COURSE. I 'm tired of these XXXX XXXX 's being able to acquire a bank account with false identity. I 'm sick of the fact that US Bank did n't have TIME to properly handle this check appropriately and put a hold on it for several days to make sure the funds were available.

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