BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
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: Account information incorrect

Complaint:
It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.

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 2021-12-06
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, 2021, my husband and I applied to refinance our mortgage rate of 4.75 %. We contact Quicken Loan who has bought out by Rocket Mortgage, and the agent name was XXXX XXXX. We provided All necessary documents i. e. income statements from retirement, pay check stubs, post-adoption income. They did a credit check that we did not get a copy of, and he order an apprasial. We wanted to pay of credit card debts of {$19000.00}, get cash out of $ 10k, and recieve a lower interest rate. We were told that we needed a value of $ XXXXXXXX for an interest rate of 2.87 %. The apprasial came back at $ XXXX whick I strongly disagreed with, and the interest rate was increased to 2.99 %. The loan was approved and scheduled to close on XXXX XXXX, 2021. On XXXX XXXX, the lender called and said that we needed more income or else the loan would not be able to fund. He wanted to see our bank statements to show additional income. We felt that it was a last minute tactic to change our rates or increase the closing costs of {$14.00}, XXXX which was more than we were getting for this loan, and so we refused, and cancelled the loan. 
On XXXX XXXX, we decided to try to refinance with a different company, XXXX XXXX XXXX XXXX XXXX. They promised to refinance our home pay off all our credit cards including my husband 's car note, provide us with $ 10k cash out, and lower interest rate 3.375 %. We provided them with ALL the docs again. Their appraisal came back at {$350.00} XXXX from XXXX XXXX on XXXX XXXX, 2021. This was a month later from the appraisal we got with Rocket Mortgage. However, they had issues with the DTI debt to income ratio. So, we agreed to changes to make the refi work. They needed to pay off both car notes in order for the loan to be approved. We agreed. These people never got back with us to keep us informed of when the loan was going to closed. We called, emailed, left message, all with not response. We got tired of waiting for them to let us know when the loan will close. It took more than 90 days from XX/XX/XXXX to XXXXXXXX XXXX. Nothing has happen yet, we decided to cancel this loan based on discrimination, and defrauding concerns. We went to the XXXX website to do a search on their company, and there were others who were experiencing the same things we were with no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a Citi Priority Package ( checking + saving ) account and deposited a combined total of $ XXXX. I fulfilled the requirement of keeping the funds in the account for XXXX consecutive days. According to the agreement, I was supposed to receive a {$750.00} bonus within XXXX  days, which should have been no later than XX/XX/2022. However, I have yet to receive the promised bonus. Unfortunately, this is my second time experience the exact same thing with Citi, they just want to take your money for as long as they could without giving any bonus.

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 2022-08-13
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold my car on XXXX the person didnt have a proper form to pay me after I had already given him the keys! I told him if he didnt pay me by tomorrow Id report the car stolen and involve the police XXXX He asked for my routing number and account number I gave him my new pnc because I didnt want to take a chance with my main account. I contact pnc after I got the letter the check was bounced and they asked to get a police statement I did an nothing has happened further. I can no longer open any bank accounts its causing me a great deal of stress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
I am filing this complaint in regards to my credit report. Grain technology has reported my account past due even though I have paid my account off. I also disputed a couple of late payments that they reported to my account. When I reached out to the company I was told their was a system error that could have led to my account being un linked to their system. I explained due to my history of on-time payments today report those payments not late and requested a one time payment link to pay off my balance to avoid any more late payment charges the balance for this card was paid off on. XX/XX/2023 yet I received a dispute result from Experian XX/XX/2023 stating that I was 90 days past due on the same account, today I received correspondence from the company stating I had a balance of {$12.00} whereas they reported to Experian I had a balance of {$870.00}, I believe this is unfair and fraudulent against my credit 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 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been disputing a debt repeatedly for years and now I have a sheriffshow up on my doorstep to serve me papers? This has gone on long enough. This is not my debt, never has been. I do not know where this came from. I have disputed this over 5 times with credit karma and got the same response back. Nothing is looked into, its just confirmed. This seems to be commonplace with Portfolio considering the reviews and complaints I have read. I am a XXXX percent XXXX veteran, I do not work and my benefits are my only sourceof income. Again, this is not my debt and this is just adding more stress into my life with the threat of having benefits deducted for a debt that is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Williams & Fudge, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I was contacted by Williams & Fudge regarding a debt collection attempt. I immediately responded per their instruction to dispute the debt and requested copies of the original debt, a valid basis to collect the debt, information on the incurrence of this debt including prior attempts to collect it, and when it was determined to be delinquent. I also requested a copy of any charges whether interest or fees applied by the original creditor. I also requested verification they are authorized to collect debt in the two relevant states. 

The company has failed to respond to this request, and has continued to engage in telephone calls to me leaving voicemails and sometimes not. This includes a call on XX/XX/XXXX and today, XX/XX/XXXX. I called back immediately and after listening to music for 2 minutes, the call disconnected. I then called another number and the gentleman, XXXX that called me answered. I began to state that he was not acting in accordance with the FCRA at which point he hung up. I then XXXX  the company and called the main line. The woman said she knew who I was and I began to advise her of my response on XX/XX/XXXX and the fact it was not being honored. She started yelling over me " HELLOOOO '' " OH WE ARENT DOING THIS '' and hung up. I will admit I swore at the woman out of frustration as another person was refusing to listen to me state facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Sir/Madam, I have a Best Buy Visa Store Card which offers promotional purchases with zero interest rates which expires on a certain agreed upon date. 
There have been several times where the " automated '' system deliberately allocates payments towards higher balanced items rather than the next expiring promotional balance. 
To safe guard against this, I can not always rely on the billing statements which indicate how much I need to pay in total to avoid interest. 
Citibank which services Best Buy XXXX Store Card has a feature online where you can view exactly the amount owed on a specific promotional balance. 
This is greatly useful as it updates after a payment is made. 
Recently in the last four ( 4 ) to six ( 6 ) billing cycle this feature has been " offline ''. 
When I contacted customer support using their " messaging '' system they had failed to read the issue and copy pasted a generic response. 
When I called in I had to wait around an hour to get in touch with a representative who confirmed that the payments made paid off the promotional balances. 
I informed the representative that the feature which made this process easier has been " offline '' for several months which was concerning to me as a consumer ; especially when there is an automated allocation system which prefers paying off higher balanced promotions rather than the next expiring one. This is anti consumer is designed by Citibank to insure purchasers pay monthly expecting that the amounts go to the next balance but then when it is too late they find out that the allocation system did not do so and they end up paying Citbank interest when it could easily be avoided. 
The response I received from the Citibank 's messaging system was not only frustrating but also concerning. They have no concern of whether the customer 's issue was resolved ; instead they exist to enforce Citibank policy without knowing that Consumers have certain recourses when " Company policy '' is inherently anti consumer. 
I have attached the following as evidence : Best Buy XX/XX/2023 statement ( See Exhibit A ) Citibank Customer Service message ( See Exhibit B ) Citibank feature which is no longer operating ( See Exhibit C )

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 2023-08-09
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2022-04-27
Company: Genesis FS Card Services, Inc.
State: NJ
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in forbearance for 15 months ( XXXX ) on my VA insured property in Virginia. When I went into forbearance I was assured by Wells Fargo that I would be able to have multiple options after ending forbearance. They assured me that as the investor on the loan, WF would have all abilities and desire to offer me modification, Including VA IRRRL, deferment and others. They sent me a letter stating this. I chose to continue forbearance with the expectation that these would be available. Now whenever I call the home preservation department, they say that the VA is the investor in my loan ( an obvious lie, even to a layperson like myself ), and they can only offer lump sum payment or a payment plan pending approval. I'm working in XXXX now as a XXXX XXXXXXXX, and I fear that I will loose my security clearance, my livelihood, and my former home. Despite my repeated efforts to give WF my contact information, they refuse to call the number I have provided them, and have refused to mail to the XXXX address I have provided. 

When I called and pointed out that they had promised modification options, and they sent me an email admitting that they had given me incorrect information, and told me that I was not eligible for deferment. 

I have to believe if they are lying to me and doing this, they are hurting other people as well. 

Please Help.

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 2023-02-05
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX of XXXX  made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. Shop Affirm took the 1st payment of {$26.00}. on XX/XX/2022 has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX  and they have a lot of complaints about them not sending the orders. The company I ordered from was XXXX XXXX XXXX I set up a payment plan with shop affirm to make payment every month. Went on their XXXX  page and the owner stated no orders will be sent out all orders are cancel. I did move research and found out the owner first name is XXXX. I have left messages and sent emails nothing no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX Account Name XXXX has violated my rights. 

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

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 2022-04-27
Company: Experian Information Solutions Inc.
State: NJ
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 be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2023-07-16
Company: Experian Information Solutions Inc.
State: AL
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:
Ive tried to dispute incorrect name and address on my credit report with Experian They will not let me dispute them.

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 2022-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please remove this negative account. 

XXXX XXXX XXXX XXXX XX/XX/2015 I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of this account. I don't know who could have done this. This is identity theft and a nightmare.

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 2022-05-15
Company: DISCOVER BANK
State: NY
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 Discover Bank, XXXX  Account # XXXX, has violated my rights. 

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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a " credit builder '' loan in order to build my credit, as a company advertising a product intended to repair credit, I'd have expected them to be more willing to understand the situation I ran into where I was unable to make payments at the time and work with me on a repayment plan while not completely destroying my credit. 

But instead, they treated this as a standard loan and destroyed my credit by reporting missed payments and not making a meaningful attempt to contact me and work out an arrangement until I could get on track.

Company response to consumer: Closed with explanation