BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
Someone fraudulently opened a credit card in my name with Citizens One on XX/XX/XXXX using our rental property address in XXXX XXXX  and charged {$890.00} to the card ( Acct XXXX XXXX XXXX XXXX ). I found out on XX/XX/XXXX by looking through my credit report on XXXX. At that time, this was listed under closed account in my credit report, as the account was already closed in XX/XX/XXXX ( Charge off  ). I disputed this account with XXXX. After an investigation by XXXX, this account was taken out of my credit report on XX/XX/XXXX. In XX/XX/XXXX, I started getting collection notice from Citizens Bank. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke to XXXX XXXX. He was not very helpful at all. 

Citizens Bank 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 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from XXXX XXXX XXXX a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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.

The letters are stated with items and issues.

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 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 explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

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 2023-04-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought in XX/XX/XXXX. The new lender increased my payments {$300.00} a month. They sent a letter on XX/XX/XXXX stating when my mortgage was transferred to them the escrow was negative {$3400.00}. I spoke to previous lender XX/XX/XXXX and they stated that is not true. When my account was transferred it was showing {$630.00}. I spoke to previous lender XX/XX/XXXX and requested my payment history for the entire length of them having my account. I have not received that yet. I also spoke to current lender same day and told them the previous lender messed up my account and they didnt even pay my XXXX taxes till XXXX XXXX XXXXXXXX. I had to audit my own account every year. They will not contact the previous lender to sort this out. Told them if they did the math, add up the escrow I paid every month and add up the taxes and insurance they would see the previous lender made a mistake somewhere. But they will not do that and changed my monthly payment from {$1200.00} to {$1500.00}. They will not do anything to find the mistake. I have made every payment in the full amount and on time. I have excellent credit. I feel like they are double charging me. Since I have paid everything how is it short? Add up my payments and its more than enough to cover taxes and insurance. So why am I being double charged?

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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

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 2023-06-06
Company: Experian Information Solutions 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

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 2019-04-12
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently went to try to apply for another mortgage, but I got copies of my credit report and noticed a lot of inaccuracies.My reports should be 100 % accurate and the credit bureaus are willfully reporting negative items, which is unfair because this is directly impairing the banking system and ruining my reputation with the banking system. I demand that all inaccurate items be deleted immediately because they do not belong to me. My information was made public in the various data breaches ; XXXX data breach is one of them and someone successfully opened up accounts that were unauthorized and I didn't not consent to.

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 2021-01-21
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX Credence Rm Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDENCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: NATIONS LENDING CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My spouse and I applied for a home loan through nations lending with XXXX XXXX ( XXXX : XXXX ) in XX/XX/XXXX. We were preapproved for the loan with an interest rate of 5.25 %, a down payment of {$18000.00}, and a monthly mortgage payment of {$2500.00}. We were very happy with this and decided to move forward with XXXX XXXX XXXX XXXX. Our closing date was scheduled for XX/XX/XXXX. This was perfect because my wife was XXXXXXXX XXXX XXXX  at the time and gave us plenty of time to get ready for the arrival of our XXXX. However, XXXX said he was waiting for the FHA 's underwriter to approve us and there was delay in closing. This went on for 7 months. We entered into an agreement with the sellers and took early possession while we waited. We lost {$2000.00} a month in rent because of the " delay ''. Everyday we begged for an update only to be told " He had a meeting with the underwriter '' or we were met with silence. My wife once asked if XXXX he had any other collogues to help him get this closed and was told " She was nothing but a number to all of them '' and " No one cared if she was human ''. In XXXX, we could not get a hold of XXXX for 2 weeks. When my wife logged into the portal it said the account was Inactive. With no response from XXXX we reached out to Nations Lending Customer Service and was told to " Keep trying XXXX. They do not have any other brokers to help ''. When XXXX finally resurfaced we were told the company is no longer using the portal and that our Loan lock had expired and we lost our interest rate. We were very disappointed but had no other choice. We once again entered back into the never ending circle of being avoided. Finally, in XXXX we sent an email asking for an update and received an automated message saying XXXX had been let go and someone would reach out soon. Once we were assigned a new broker we found out our application had never even been submitted and the portal was never discontinued. Our new loan officer stated we should have been closed in XXXX had the application been submitted properly. We were able to finally close on XX/XX/XXXX. However we are extremely upset because we now have an interest rate is 6.25 %, our down payment {$21000.00} and our monthly mortgage is over {$2700.00}. Everything we were told for 7 months was a lie. On top of the difference in the down payment and monthly payments we lost {$11000.00} that we paid to sellers to keep from losing our dream home. The amount of stress that this has caused not only me, but my XXXX wife is unacceptable.

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 2023-11-21
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Date : XX/XX/XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX United States Subject : Unresolved Disputed Charged Off Loan ( Affirm ) Dear Affirm, I am writing to urgently address an unresolved issue regarding a charged-off loan on my account ( Loan ID : XXXX ) with Affirm, initiated on XX/XX/XXXX. This letter is regarding the purchase made through Affirm at the XXXX XXXX and the subsequent developments including the merchant-issued credit adjustment on XX/XX/XXXX, my requests for deferral due to COVID-19 financial hardship starting from XX/XX/XXXX, and the eventual charge-off of the loan by Affirm on XX/XX/XXXX. 

As a loyal user of the Affirm platform, I am deeply troubled by the negative impact this situation has had on my financial status and access to Affirm 's services. The core of this issue lies in the failure to process a credit adjustment of over {$270.00} issued by XXXX XXXX. Despite this adjustment, my loan fell into default and was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$290.00}. This balance should have been offset by XXXX XXXX 's credit adjustment. Furthermore, my repeated requests for a payment deferral due to financial hardships caused by the COVID-19 pandemic, starting from XX/XX/XXXX, were not appropriately accommodated, leading to the exacerbation of my financial difficulties. 

In response to these unresolved issues and the significant distress caused, I am requesting : 1. Immediate removal and correction of the charged-off status of my loan ( ID : XXXX ). 
2. Immediate correction of all negative and derogatory information reported to my credit report as a result of this situation.

3. Full reinstatement of my access to the Affirm platform, acknowledging my history as a loyal customer.

4. Issuance of a {$500.00} virtual gift card as a gesture of goodwill for the hardships and extraneous issues I have endured due to Affirm 's unethical operations and lack of proper handling of my account issues. 

This complaint letter, detailing the lack of resolution and support from Affirm, will also be forwarded to formal agencies, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), for further escalation and investigation into these matters. 

Thank you for your attention to this critical matter. I look forward to a swift and fair response. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A " service fee '' of {$15.00} per month has been taken out for the last few years, where i've never had service fee, been a customer for 20 years.

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 2023-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
In XXXX of XXXX XXXX XXXX XXXX XXXX who represents PennyMac Loan Services LLC filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX XXXX under policy number XXXX. However PennyMac again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. PennyMac is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because PennyMac fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXXe. PennyMac is XXXX bent on trying to raise the mortgage payments too cause default.

Company response to consumer: Closed with explanation