BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts are not belong to me. They were opened like a fraud and must be removed as soon as possible.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XXXX XXXX XXXX but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly 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 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 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 2021-09-23
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I agreed to loan consent and started the refinance process. On XX/XX/XXXX I paid the up front fees and signed my disclosure. I uploaded all required documents and my home was appraisal was made available to me on XX/XX/XXXX. XX/XX/XXXX I was contacted by my loan processor, who informed my loan application status was in review. On XX/XX/XXXX my loan approval package was available to review and was signed electronically. XX/XX/XXXX I was told my status was XXXX XXXX XXXX  Approval Final from my processor and was updated on title work was beginning. XX/XX/XXXX title found a judgment against my ex-husband that was paid and fixed. XX/XX/XXXX my loan was still in XXXX XXXX XXXX Approval Final from loan processor. XX/XX/XXXX loan processor let me know my file was in underwriting. XX/XX/XXXX updated by loan processor that my loan was XXXX XXXX XXXX Approval Final- file is in underwriting. On XX/XX/XXXX they pulled my credit for a second time, without informing me that they were going to pull my credit. I gave permission on XX/XX/XXXX for my credit to be pulled, which it was, however, I was never told my credit would be pulled again. That left me with another hard inquiry on my credit report without being told they were doing so. I only found out, because XXXX/credit updated that my credit had been pulled and was contacted by lender after they found I had opened a new line of credit and they needed information on it. Overall, the communication has been lacking and it seems like 172 days to complete a refinance is excessive and the communication has been lacking on the lenders behalf. I am very disappointed and looking to cancel the loan application. Since they pulled my credit again on XX/XX/XXXX, I am looking at other mortgage companies since it will be within 14 days and wont count against my credit with multiple hard inquiries. I am very disappointed in the entire process and I was already a citimortgage holder.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As I investigate my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the following accounts : : XXXX XXXX XXXX XXXX Balance : {$340.00} Opened XXXX XXXX, XXXX ; DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened 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 2022-12-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In regards to the following account : WAKEFIELD & ASSOCIATES, Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs, 6 mos ) I had active XXXX XXXX at the time of this treatment and they should have been billed. I am not responsible for the original creditor not doing their due diligence and making sure they bill XXXX for this treatment by simply using my social security number to look it up. This needs to be removed from my credit through all 3 reporting agencies immediately or I will take legal action as it is affecting my ability to move forward in my life as well as gain credit when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Account information incorrect

Complaint:
I have looked at my credit report concerning a XXXX account I once had. 

There are late payments reporting and I was never late on this account. 

I want these payments to be verified as reporting correctly and if not please remove them now. If they are reporting correctly please provide me the method of verification in writing. 

These are negatively affecting my credit and does not look good for me when I am applying for credit products. 

Please confirm this information and update immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MN
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been unable to open a bank account for the past 2 years, and I want to dispute the fraud from Bank of America in my account. I was sent a fraudulent check by a bad business partner. Thinking I was doing a honest business transaction and was scammed for my money and time.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXXXXXX 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 2022-12-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022, I attempted to make a payment on my store XXXX credit card online, but an error message appeared and advised me to contact Customer Care. I've been trying to make a payment on my XXXX credit card for a while online but always get an error message whenever I have a past due balance. I called the store to see if I could make a payment with them, but they told their systems were unavailable to accept pay. It's so frustrating handling my affairs with this company. They purposely make it hard for you to pay your bill and your account accrues tons of charges. I reached out to XXXX today to let them know my problems, asked to speak to a manager, got transferred to XXXX, I asked XXXX could he walk through the transactions with me to give me more information about the interest, finance, and late fees that were all inconsistent and out of order. XXXX Was no help, he went broken record and continued to repeat himself. He didn't offer a solution or make sure my problem was going to resolved today. He didn't bother pulling up my account either. XXXX seems to be unfair and has deceptive practices for charging unnecessary fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/2023 Item Disputed Account name - XXXX XXXX  Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off XXXX years* ago Experian Additional comments Every time I dispute this account my score drops when they update the descriptors/history. XXXX XXXX was just reported as a new chargeoff for an account that was charged off 6 YEARS AGO! This dropped my score another XXXX pts ( see attached supporting documentation )! A XXXX year old* account that was charged off XXXX years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations, Ive been denied credit numerous times! Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My Account with XXXX XXXX should not be reporting any negative information. PENDING LEGAL LITIGATION!

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 2020-03-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
According to Chase Bank, they closed the account after a payroll check was deposited on XX/XX/2020. Further, they stated they were holding that check, and the amount that was in the account prior, and the savings account that was not tied to the checking account. 
The account was opened in XXXX for the purpose of direct deposit since my XXXX  job requires a bank account for direct deposit. The first check was placed in the account and Chase said it would take 3-5 days for it to be verified. Then the second paycheck came in and there was no correspondence with me, but they kept the check and closed the account. I did not realize what happened until I went to buy a car on Sunday, XX/XX/2020, and was unable to access any of my funds. 
On Monday, XX/XX/2020, I called Chase and they said it was randomly selected to verify the payroll check and they could do nothing. I went to the Chase branch at the corner of XXXX XXXX XXXX and XXXX XXXX and they apologized, XXXX ( the branch manager ), said she had no idea why it was happening and that she would take care of it on Tuesday, XX/XX/XXXX. 
Then, on Tuesday, XX/XX/XXXX, I went back to Chase and XXXX left before I arrived, XXXX, another employee said I should open another account and maybe they could put the funds in that account in another week. Meanwhile, I had a check that was sent to Chase via direct deposit and I still have no access to any of it. Also, my savings account is still locked and I have no access to it. I have had no access to any money since XX/XX/XXXX and they have offered me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have made multiple attempts to get my lost card replaced. Every time I a called in. I was told they just sent it. And every time I called they said this time well send a new card and I should receive it within 24-48 hours. I call once a week and still no card. 
I am always told that they assure me that it will be sent and the previous person didnt sent it via fast mail or via XXXX. Its been close to a month without my one and only credit card. 
As a XXXX person I cant just get up and go get cash. I have limited funds till I get my SS check also.

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 2022-12-27
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told by Freedom Mortgage representative that my old mortgage was closed and she transferred my new loan to a different type of an account that I could still make payments to and provided me the new account information for XXXX XXXX. After a years time I refinanced our current home with my wife and their representative confirmed with a CFPB agent that my loan was paid in full with them. I am now currently in a legal judgement with the titling agency where they paid Freedom Mortgage after they contacted them and I am at risk of losing our current home as a XXXX veteran with XXXX children because of their misinformation provided on a recorded line.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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