BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent numerous letters to XXXX XXXX and XXXX to have the following accounts removed from my credit report. 
unknown account # XXXX XXXX account # 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 2023-05-02
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I filed my initial complaint with the CFPB regarding my mortgage with Freedom Mortgage Company. As a result of that complaint ( Complaint ID Number XXXX ) in XXXX I received a call from XXXX, ID Number XXXX, of Freedom Mortgage. XXXX informed me the foreclosure sale would be rescinded and Freedom Mortgage would work on my application for a modification. She assured me everything was going to be alright. On XX/XX/XXXX, Freedom Mortgage responded to the CFPB complaint and stated that based on the information I submitted in XX/XX/XXXX, I potentially qualified for a modification. Their response also stated Freedom Mortgage would rescind the sale then update the account and assign me to a Single Point of Contact. 

No one ever called me again from Freedom Mortgage, however in XXXX I was served an eviction notice by Veteran Affairs. At that time, I called Freedom Mortgage and was told the account still showed up as foreclosed. I appeared in court on XX/XX/XXXX. The attorney for Veterans Affairs had no knowledge of the sale being rescinded. After presenting the court with our documents, a continuation was granted. 

On Tuesday, XX/XX/XXXX I spoke to XXXX of Freedom Mortgage, ID Number XXXX. Per our conversation, the notes on my account reflect that a request to rescind the sale was submitted on XX/XX/XXXX. In Coreys words, they are trying to figure out how to do the rescission. In the meantime, because Freedom Mortgage has not communicated with the VA, the VA is moving forward with the eviction case in the local courts I have another hearing scheduled for XX/XX/XXXX. If the court does not grant another continuation, I am in danger of being forced from my home. 

My complaint is # XXXX. Freedom Mortgage has failed to communicate with the VA and as a result I may be forced from my home. # 2. Freedom Mortgage delayed the process to rescind the foreclosure sale which is in turn delaying my right to be reviewed for a modification. # XXXX. As documented in my initial complaint, Freedom Mortgage continues to exhibit a consistent pattern of denying me the opportunity to keep my home. 

I have attached a copy of my initial complaint and the response.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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:
I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere 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 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I received information via text from Capital One concerning some fraudulent charges. Ive had so many unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with Capital One for about 4 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error. I recently received a text from Capital One concerning a fraudulent charge in result someone had stolen my card so i followed up with them to resolve my account but i was left with paying all of those fraudulent charges ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was NEVER late for. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. I have never been late on payments for the account. XXXX Account, XXXX,. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 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 2023-03-20
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wanted to buy a desk from uplift desk. I chose the buy now pay later option with affirm. I returned the desk. The incorrect amount was applied to affirm. They charged 15 % at XXXX  for restocking- outside of their available policys incorrectly. I submitted documents proving that to affirm in my dispute within 30 days. Affirm continued to respond with automated responses, which mean nothing to me. They did not contact the company uplift desk until XX/XX/2022 about their policies of returns. Affirm told me it is too far outside the time frame to accept the dispute even though I provided all the correct documentation to them in my dispute that they requested. No one opened the documents in my original dispute at affirm. Affirm is reporting negatively to my credit and incorrectly. I am not responsible for payment of an item I returned to the company in whole and in compliance with their returns the entire amount should have been returned and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX we received a letter to refresh our account from M & T Bank. On XX/XX/XXXX my husband and I went to the bank sat down with the bank manager. She took both our licenses did a lot of typing on her end handed back the letter and our licenses and say we were good. On XX/XX/XXXX the bank closed my savings and checking. I immediately called the bank which the girl accused my husband of closing the account and taking the money. I told her she was incorrect. She told me to go to the bank. My husband and I met at M & T Bank XXXX XXXX XXXX XXXX. They could not help us because as they were trying they lost power. Later in the afternoon they called to tell me the bank closed our account. I said this was unacceptable at which time I was told I had to call the consumer line to discuss with them because the branch could not do anything. I called Spoke to a supervisor who said give her 24 hours. I called again this morning. XXXX the supervisor said she told me 24 hours and she would call me back and 6 different departments were trying to recreate the account. I was also told they saw in XXXX that I refreshed the acct but my husband did not. 24 hours passed no call. I called they said the account is closed checks is in the mail takes 10 days and nothing about recreating account. They bank was 100 % at fault if the look back on security cameras for XXXX they will see me and my husband together. They are a bank give me my money back immediately in a cashiers check or new account. I have no bank account, no money and already get notifications about payments that did not go thru to pay bills. The bank just points to each other and not helpful or taking responsibility. This is criminal that a bank can do this to anyone.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my email on XX/XX/2023 and I noticed an alert from " XXXX '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " Transunion '' and " XXXX ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX to Transunion XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-05-29
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2023-05-29
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit file I have come across information reported from the XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX and again on XX/XX/XXXX I spoke with XXXX and XXXX at XXXX XXXX XXXX XXXX   and was informed that all my accounts were current in the amount, however, an account in the amount XXXX and XXXX has never been late because it does not exist. XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed. XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and they both informed me that these 2 accounts don't exist however the ones that I do have are current and never been late. Yet your credit reporting agency is still reporting this inaccurate fraud and based on XXXX its non-existing info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6600.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans mentioned above do not exist or could be a result of identity theft as I have been a victim of. I will be forced to sue Transunion id these accounts that are a result of identity theft continue to be reported onto my file.

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 2023-03-20
Company: Affirm Holdings, Inc
State: OK
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:
I have had multiple credit lines open through Affirm to build my credit and pay off things over the last year. I've been working with a mortgage loan processor with my credit, and she is stating that my on time, paid off, and current payments are not being reported to the credit bureau by Affirm, except one of them which was for my XXXX My other 4 were not reported. 

When I called Affirm today on XX/XX/XXXX to try to resolve this and get an explanation, all they told me was Affirm is not obligated to report everything to the credit bureau. I asked for reasoning behind not reporting my on-time payments since XX/XX/XXXX, and she stated, " because we are not obligated to ''. I've worked very hard on making my payments on time in an attempt to build my credit, all for her to tell me they're not obligated to report my good status. 

I want my on-time payments for all of my accounts on Affirm to be reported to the credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ProCollect, 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: Account status incorrect

Complaint:
15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with ProCollect Inc XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed ProCollect Inc would remove the collection from my credit report. Attached below is my PCI receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
i checked my credit today they was Hard Pull on my credit XXXX XXXX XXXX XXXX, i called XXXX they had nothing in the system showing that i filled out for any credit and i no i didn't but i wanted to see who is behind it they said they nothing we can we can but you call this other number and i did, it was XXXX credit they had nothing in their system so i called the number under the credit report same people. they said no we didn't pull your credit we don't pull people 's credit i ask could you call the Trans Union they said no we don't pull people credit, worthless. but i was not rude i said thank you and hung up. XXXX XXXX XXXX XXXX Type of Industry : Bank Address : XXXX XXXX XXXX XXXX MD XXXX Phone Number : ( XXXX ) XXXX An inquiry is a record of someone checking your credit information, and it usually happens when you apply for a new line of 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 2023-01-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CITI XXXX XXXX XXXX CARD ( CITI BANK ) On XX/XX/XXXX I called CITI Bank for a {$120.00} XXXX XXXX Rewards Voucher In was supposed to receive. The female representative assured me not to worry that they had mailed it out in XXXX of XXXX and sense I did not receive it they said they would re issue me a new one and it could take 14 days to arrive. Total time spent on phone was 14minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 1-2 billing cycles. Total time spent chatting via the app 35 minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 5-7 days and to rest assured. Total time spent chatting via the app 30 minutes. 

On XX/XX/XXXX I called CITI Bank and spoke to someone named XXXX. She informed me I was not receiving my {$120.00} XXXX XXXX XXXX and there was nothing she could do except share my feedback about the poor customer service. Total time spent on phone was 1 hour and 3 minutes. No compensation, no formal apology, nothing was offered.

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