BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: CA
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 filed a complaint against XXXX XXXX XXXX account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from XXXX XXXX XXXX and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and XXXX XXXX XXXX still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : 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

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 2022-08-18
Company: EQUIFAX, INC.
State: MS
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 719XXXX has me at a score around 590. 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 XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to dispute inquiries along with inaccuracies with TransUnion. I will be providing the necessary documents to finally close this dispute out.

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 2020-08-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Citizens Bank pays debits even when I have no funds. I never agreed to this " courtesy, '' or it was not brought to my attention. The only reason for doing so seems to be to trigger fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THEY ARE LYING. THEY DID NOT COMPLETE THEIR INVESTIGATION IN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid 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:
XX/XX/XXXX  i noticed a fraudulent charge on my citicard credit card of {$63.00}. I immediately filed a dispute and closed the account. 5 months later ( XX/XX/XXXX  ) i received a bill from citicard with late fees included. I called Citicard back at least 10x to re-report. While it was in dispute i did not pay. I had PERFECT CREDIT and did not think that this could happen DURING A DISPUTE.. I attempted to co sign my daughters student loan ( as i did last year ) and that's how i found out that my credit score had dropped XXXX points. I was absolutely devastated and in panic, so i called and paid Citicard {$150.00} ( the original {$63.00} plus 3 months of late fees ) so it would stop lowering my credit score.I have opened a dispute with XXXX attorney General and also with XXXX. XXXX mentioned that i should also file a complaint with CFPB. I want my money back and my credit score repaired! They should not be allowed to do this! I just want someone to LOOK at my credit and SEE that i have NEVER paid anything late in my 27 years of establishing credit. Please help 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 monetary relief
Consumer complaint received 2022-08-18
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want the late payments removed from my credit report. I was effected by covid 19 I've filed several disputes. Gm financial denies it. I also want to pay off the loan for a lower amount. This company XXXX and I'm tired of being threatened by your reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Thursday XX/XX/XXXX, I called fifth third bank to activate my online banking account so I could access it. At first I went to website and it asked for my pin. I never set up my pin so I was forced to call the bank. I was transferred three different times and the last person I spoke to was XXXX the credit card specialist. He listened to me and said he would put me through an automated system to pick my pin. That transfer ended up bringing me another queue and at that point I hung up. This all occurred between XXXX-XXXX. All I want from this a temporary id/password as many many many other companies successfully do and I'll be on my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Home Loan Center, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lending Tree is engaging in false advertising of rates. 2.28 % APR, therefore including points. When you put in your contact data, you are then shown only significantly higher offers. The next day, today, I am being deluged with calls at higher rates. False Advertising!!! The should not be able to get away with that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Bread Financial Holdings, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-17
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XXXX XXXX with Cross Country Mortgage and his office are retaliating against me for making a complaint of MORTGAGE FRAUD against his office. 

I have made very respectful requests for a new point of contact, updates to my loan process, and other simple, very reasonable requests. I have never received any type of professional response, after making my complaint to the CFPB. 

This office has no respect for loan servicing and the honest relationship it requires. 

Not only this, and i have circumstantial proof, but XXXX XXXX HAS BEEN DISCUSSING DETAILS OF THIS COMPLAINT TO MY BUYER AGENT. For some reason he found it necessary to discuss these personal details of mine, XXXX RELATED ISSUES, and is further discriminating my severe XXXX, to MY AGENT. 

In no context anywhere does it say he has privileges to discuss this type of subject, MORTGAGE FRAUD and XXXX DISCRIMINATION with MY AGENT. 

This man is a shame, and should be reprimanded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I added some items for sale on XXXX market for a sale amount of {$350.00}. XXXX sends a message of interest of the item, I told him sure its available. He added that he will be sending me the amount asked for the item through Zelle and what was my email. I have Zelle through my bank account XXXX. When he tried to send the money, he gets a message that he cant because my email count is not active in Zelle. Me not thinking anything about it, I go to my XXXX account to verify if Zelle has all my information. I turns out that my email was not registered, only my number. So I added my email. He then process to tell me that he has send the XXXX but Zelle sends him and I a notice with the following " Unfortunately, we encountered a little problem while crediting your account with {$350.00} today because this amount seems to be above your balance limit ''. When I received this message I let the prospective buyer know that the money was not released. A new Zelle message came into my inbox stating that additional funds had been added to my account with a total {$600.00}. He message and told me for the funds to be release that I have to send the Zelle representative {$250.00}. I received an email from Zelle with the " representatives email '' title " we await verification payment screenshot. With this information I proceeded to transfer the funds through my bank. Zelle will not reimburse XXXX based on there fraud and scan policies, for that reason XXXX will not return the money to me. I believe Zelle does not protect their consumers from these scams and frauds. Zelle should make a better effort in protecting it customers from the scammers and change their policy or just close as a company that is providing a service that will not help their customer when scammed. They should do a better job or should be banned /closed for offering services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shell point mortgage has taken over responsibility of my home loan back in XXXX 2019. My loan in the last 12 years has had many different ownership. I had waited to make payment like I normally have done till XXXX when they said they finally got the information transferred over. It was reported that I owed over {$6800.00}. I started to inquire in XXXX to get this fixed. Back and forth I have been calling them waiting a month to get an update. My statement from Di-tech shows I was current as of XXXX XXXX, 2019. 

I have been back and forth with trying to get them to fix my account as I am not disputing the total owed on the loan. The amount owed is accurate. I am sure if there was a schedule for someone to look into would find the schedule accurate as well. 

I am submitting my statement showing I am current as of XXXX XXXX, 2019. I have already showed the payment history to not be accurate as the statements Shellpoint has shown they have received the payments but refuse to add them into the payments history. History of this complaint can be seen on complaint XXXX. 

I guess my last part of my complaint was never answered. I am submitting a financial statement showing the account is current and would like to know why Shellpoint is ignoring the statements? Why is there only the convenience to only take part of the information from the statements, such as documenting the proof of payments, but not the total owing? Why when I showed proof of payments, Shellpoint used a statement to show there is documentation for the payments, but not updated there payment history to also reflect the payments? 

I am submitting a statement showing I am current as of XXXX XXXX, 2019. My last response from Shellpoint mortgage company was responded by mortgage statements and was closed. I am not disputing the principle owed on the loan, as this has been followed and is accurate. I am disputing Shellpoint stating I am missing payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIZENS FINANCIAL GROUP, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: AE
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 have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original XXXX XXXX 01 XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Several letters were mailed to dispute inaccurate information on my credit report. I have not received an updated response within 30 days of request.

Company response to consumer: Closed with explanation