BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: ALLIANT CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It is indeed unfortunate that I need to submit this complaint for a third time. 

The company involved ( Alliant ) provides anonymous responses authored by an employee who apparently has difficulty comprehending the XXXX language. 

I will try once again and hopefully this will be directed to someone more fluent in XXXX. 

I am copying XXXX XXXX XXXX on this go-round as she was responsible for creation of this federal agency and might like to know what it has devolved into basically a letter forwarding drop box. 

I will refute each point in the anonymous response : Paragraph 2 of the anonymous response deals with the number of boxes to be returned. 

Please refer to the email time stamped XXXXXXXX XXXX  on XX/XX/XXXX which reads as follows : " Hi XXXX Guess my guy cant count I am bringing back three ( 3 ) unused boxes of the 59 x 10 And One damaged box of same till Total four boxes be there in half hour many thanks XXXX XXXX Sent from my XXXX '' how can this be any clearer? there are four cases in play here, one damaged and three undamaged. 


Paragraph 3 of the anonymous response states in essence that the merchant states I returned only three cases. That is correct in part but only because the merchant failed to honor its commitment to accept the return. Only three cases were returned BECAUSE THE MERCHANT REFUSED TO ACCEPT THE CASE THAT ARRIVED AT MY HOME DAMAGED. 


Hopefully a more careful reading of the email chain will demonstrate to the anonymous author that credit which was offered by the merchant was only for the three undamaged cases of material. 

Why is this so hard for Alliant to understand? 

The merchant should have accepted the damaged case of material. They refused. 

The email chain is more than clear ... .we are dealing with damaged and undamaged material. XXXX from the merchant agreed to take back both the undamaged and damaged material, subject only to the 20 % re-stocking fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSWORLD SYSTEMS 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:
There is a collection on my credit report from Transworld Systems Inc for a utility bill that is not mine I have reached out to them several times providing proof that this bill is not and could not be mine and to no avail. They keep coming back to me with an identity theft paper for me to fill out which all that would do is give them all of my accurate information of which I do not want to do. This collection has a service address of XXXX XXXX XXXX XXXX, Tx XXXX and the bill shows a statement date of XX/XX/2017. I sent them proof that I was not at this location at that time that I lived somewhere totally different and also showed them that I had a totally different light company. They still refused to removed this inaccurate account from my credit report and it is adversely affecting my scores and should not be reporting. I lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX at this time and had and still do have XXXX XXXX  as my utility company not XXXX XXXX XXXX and provided Transworld Systems with not just one bill from the same timeframe proving that I was not at this location and have no idea about this account. But I also sent them 2 other bills that were prior to this timeframe of the statement they sent me to show them that I had this utility company and lived at a different location long before this supposed account was charged off. Still they refused to remove this account so now I am filing a CFPB complaint because for one just sending me a statement is not proof that I owe this debt and also because I proved to them that I did not even live at this location and have no idea about this account and they still have not removed it from my credit report. I have attached a copy of the statement that they sent to me as supposed validation of the debt which it is not and also all 3 of the bills from my actual utility company with dates well before this account charged off for you to review. This account needs to be removed from my credit report immediately or I will have no choice but to take further action and possibly retain a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I applied for a new construction loan with cardinal financial. I was working with a contractor who was vetted and used by the bank prior to my loan. Long story short the contractor was associated with a company named XXXX XXXX  who have been ripping people off and didnt have license contractors and were taking peoples first draws, and not proceeding with the building process. I was working with the same company until I saw the red flags and was introduced to another builder which was vetted by the bank cardinal financial fast for fast forward several months they received my first draw a {$43000.00} and have not done any work on the property in months and will not communicate with me on refunding my money after termination, I found out that they were part of XXXX XXXX scheme, notified the bank, which did further research and found out that there were over 10 other clients of the bank who have been dealing with the same contractor and building company, we have all gotten together and realize we all had the same bank in common and reached out to them for help and they told us we were on our own on getting our money back. I do not believe that is fair being that there were several customers of theirs that were Friday by the same people and associates of the same people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Id theft victim. Someone used my info at the XXXX. I need this info / collection removed please

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 2023-11-23
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Lost transfer XXXXXXXX XXXX  between Binance.us and XXXX XXXX, as I was bit panicked after reading the news of closure of binance.us operation in USA. This was my first transfer experience. 

Lost transfer XXXX XXXX To XXXX using XXXXXXXX XXXX  which is unsupported on XXXX that later I found, it's genuine mistake. 

Here is the transaction details... 
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 2023-09-26
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to ALLY FINCL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Ally Financial 's customer service representative.

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 2021-07-29
Company: EQUIFAX, 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 status incorrect

Complaint:
Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, XXXX XXXX XXXX. 
XXXX reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing XXXX responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my Equifax report. 
My loan officer just pulled my credit report and XXXX has me still reported as late for XXXX and XX/XX/2021 on my Equifax report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my Equifax credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with XXXX in this matter. Thank you very much. With best wishes, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a payment of {$2500.00} on XX/XX/2023 on EdFinancials new website : EdFinancial.com/Myaccount. I received a confirmation email with confirmation # XXXX. They told me the payment will post no problem. The payment is STILL not posted on my account. I was told to wait 120 days it is now 217 days out. I have called multiple times, emailed multiple times. Uploaded proof of payment email and records from my bank showing the payment. My account has still not been adjusted. My balance should be {$5700.00} not XXXX. PLEASE help!

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUION violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), TRANSUION willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ). 
TRANSUION never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, TRANSUION is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )

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 2023-10-06
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been trying to login to my account for months. I keep getting a, " We're sorry our records don't match the information you provided. Please try again. '' I just want to submit a payment for my loan but I can not even login.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-11
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 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 3 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 corrected : 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 2021-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account NameXXXX  Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX XXXX  ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedApr XXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At application I was told I qualified for a {$5000.00} home dream credit. At conversion I was told that I still qualify. After the commitment was issued and underwriting reviewed my income the loan officer called to congratulate and tell me Im getting {$3900.00} of the {$5000.00} credit. A week later a supervisor called to say the underwriter messed up and I didnt qualify. My cash to close increased by almost {$700.00} an hour before closing with no communication by my mortgage team. As of yesterday XX/XX/17 a rep from XXXX advised on a monitored line that WF is not required to give any credit even if its verbally disclosed on the monitored recorded line. Despite the Underwriting teams mess up of income calculation and XXXX XXXX calling me to confirm Im eligible for the {$3900.00} credit. They only legally required to provide credits if disclosed on the CD. How is that fair? Is this even legal? This was a complete bait and switch and the rug was pulled out underneath me. I was counting on the credit. Same day I closed on my house I had to put my XXXX year old dog down. ( {$1000.00} vet Bill same day ) My reserves were completely drained with the loss of the credit I was promised by the loan officer on the monitored and recorded line. I feel the loan officer and Wells Fargo have violated fair laws. I believe because it was disclosed and even verbally it should still be honored

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 2021-10-13
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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