BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2023 I applied for a BestBuy Credit Card at the physical store and was approved and I made a purchase on the same day.

I was told that I would receive my card in 7-10 days. I never received my card as of today XX/XX/2023. I have called the company " CITI bank '' who is the issuing credit card company and notifying them that I did not receive my card. They said they would cancel the card on file and then would have to verify my account through sending me a letter in order to send me another card. I have made about XXXX calls to the company in the past couple of weeks regarding not receiving this letter and only to meet with resistance that they would need to send a verification letter to verify my account and they couldn't help me any other way. Last week I get a phone call that my account is past due, I told them that I have never received a statement either. I tried to make a payment over the phone and was told that I was still pending verification. I am frustrated with CITIBANK and am getting nowhere with the multiple different people that I am speaking to who sounds like they come from XXXX. I have tried to go online to access my account and make a payment but unable to log in as they system can not recognize me without my credit card. I called again to ask for assistance and was met with the same verification excuse. If this shows up on my credit report as a late payment I will be even more furious as of 2 months, I have gotten no statement, no credit card, no verification letter, no help or assistance, and I can't even get tech assistance from their customer service to go online.

Please help me with this issue because I am at my wits end with this company and can not believe what is happening. All of my personal information was on the original application when I got approved and now I feel that their incompetence will have a negative impact on my credit score and my personal well being.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: VA
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:
Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 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 an account without my written instructions. 

Under 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. 

Due to these violations I have a right to sue per violation.

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 2023-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used to open up several accounts fradualently, police report is available. 
Please remove all listed accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA. 

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous. 

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - 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 2023-03-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the refinance process, loan officer XXXX XXXX of Carrington Mortgage fraudulently misrepresented ( in writing and then verbally ) that my FHA Partial Claim XXXX : 1 ) in writing : that the claim would be paid as a result of my refinance ; then, subsequent to me accepting that offer in writing, 2 ) verbally by phone on or about XX/XX/XXXX  : that the FHA partial claim would not be due. Carrington was able to negotiate with the partial claim servicer to keep the partial claim so that it would not come due until the end of the new loan. The conversation occurred after I pointed out the Closing Disclosure did not reflect the FHA Partial Claim payment as requested. That's when XXXX called and when I returned his call he told me the great news, that the partial claim wouldn't be due. 

I have a copy of email correspondence from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXXXXXX 15 U.S.C 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-01-26
Company: Metallicus, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This company is stealing my money! I deposited my money and tried to withdraw it they asked for documents which I provided and now I received an email saying they will be closing my account and I cant get my money until XX/XX/2024! I think Ive been scammed!

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 2023-03-27
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had three 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We have a USAA checking account that is connected to another bank that we bank at. Someone got access to our USAA checking account and attempted to transfer {$5000.00} from our other bank to our USAA checking and straight from there to another USAA account. We did not have {$5000.00} in our other account. This was late in the evening on Friday XX/XX/XXXX. USAA allowed them to complete this transaction, placing a hold on {$4000.00}, but allowing them to take {$1000.00} plus everything in our checking. They took everything except {$0.00}. That would have been approximately {$250.00}. My husband discovered this around XXXX Saturday morning. He immediately called USAA and talked to their fraud department. They assisted him in changing all our passwords and Issued new cards. We were locked out of all our USAA accounts. They said for 3 days. We called back on Wednesday because we were still locked out. We were told to give them more time. On Saturday we called back and were told they decided it wasnt fraudulent. They said they would resubmit it. We were locked out of our accounts for another week. We also received a letter from them stating we owed them over {$900.00}. Today, XX/XX/XXXX, we received another letter stating that as of XX/XX/XXXX, they decided that our credit card would be the overdraft protection for our checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a follow up complaint with regards to The Estate of XXXX XXXX. There was a partial claim on her property which was never recorded. I spoke with a legal representative from XXXX  XXXX and Rushmore during remediation and we were informed that they would be paying the partial claim directly. Today I received a call from Rushmore Mortgage stating that they just recorded the partial claim and I have to call HUD directly for the payoff information and where to send the HUD payoff. They gave me a phone number of XXXX. This number belongs to a company called XXXX. They are causing mental distress for all involved with the sale of this Estate and their ignorant and uneducated representatives do not make this easier. During a recorded call with XXXX  XXXX, they stated the payoff including the partial claim. They now record this XXXX  years later. I need to know whether this partial claim is legal since it was never recorded. Please be advised that the Beneficiary of this estate is a Servicemember  of The XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I called back the collection company, ALDOUS & ASSOCIATES Atty at Law XXXX XXXX XXXX XXXX, UT XXXX XXXX, and had a conversation for about XXXX. and XXXX seconds in an attempt to find out what this call was regarding. The individual hung up the phone call with me. 

XXXX XXXX XXXX XXXX XXXX XXXX I called back and again attempted to obtain information regarding this account. I had a conversation with the person for XXXX. and XXXX seconds with the receptionist again hanging up on me. 

I have never received any letters from this company but received emails that I responded to numerous times and have them documented. They responded after my 4th attempt to call them. I was unable to as I been unsuccessful in the past. I requested in the email communication to send me a letter with any correspondence at this point to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two letters on two separate dates disputing debt to the debt collector, asking debt to be verified ( see attached documents ). Initial letter sent was sent on XX/XX/2023, sent certified to collection company regarding three accounts listed with account numbers on letter. The collection agency sent me an unsigned copy of a generic credit contract the company uses ( see attached ) and pages of credit card statements to an address that does not belong to me for all three accounts. I then sent a follow up letter on XX/XX/2023 certified return receipt demanding the collection agency send me verification with my wet signature and proof this is my debt, and the agency sent the same documents as was sent prior. In addition, I have asked the collection agency to cease from further collection actions, removal of debt from credit reports since the debt has not been properly verified under the CFPB rules. I urge you to please review the attached documents and assist me with the removal of these accounts on my credit report. I appreciate any and all assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Creditor agreed to delete Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX Reason : Unverified 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 2023-03-27
Company: EQUIFAX, INC.
State: MI
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am extremely frustrated and disappointed to inform you that someone has opened an account using my personal information on Bank of America, and attempted to do the same at XXXX XXXX and XXXX. This is a clear case of fraud and identity theft, and it has caused me a great deal of stress and financial harm. 

This fraudulent activity has already had a negative impact on my credit score and financial stability, and I refuse to suffer any further losses or damages as a result of this criminal act.

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