BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted Equifax on XX/XX/XXXX and they would not take my dispute over the phone instead they told me I had to mail it in. That is False. I did mail my dispute in as instructed by Equifax even though they were supposed to take my dispute over the phone.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX a person from Sears called me and offer me XXXX XXXX he told me that it was going to be monthly payments, I asked to email/mail me documents saying what he was offering. At XXXX I saw charges in my Sears XXXX for XXXX and XXXX, so I called them and ask again for the documents showing what services I was getting, I called them several times and they ended up giving a phone number for the dept. in charge of Home Services ( XXXX XXXX XXXX with Location at Florida ) which I find out just yesterday, I request these people the documents regarding the home services and again I did not received till the end of XXXX, which was showing that I was in a contract for 1 year. On XXXX I request home services for my appliances/they say they can inspect/do maintenance up to XXXX for the same fee that I was paying {$75.00}, which I paid on XX/XX/XXXX, they send a XXXX  from XXXX XXXX who did not XXXXXXXX XXXX XXXX XXXXnce I was doing XXXX he said it looks like is working Ok, even when I told him that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he did not care and left me a copy of his receipt. I hired a technician to inspect my washer and he told me that it will be better to buy a new one, which I did on XX/XX/XXXX from Home Depot. See attached documents. 
I want XXXX XXXX XXXX to refund me the money that I paid buying a new washer machine {$940.00} BECAUSE THEY FAIL TO DO THEIR JOB AND REPAIR MY WASHER WHILE IT WAS UNDER THEIR CONTRACT. If they want to replace it for a new one they can do it too, since I hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their technician failed to do his job, failing to repair and making buy a new one. 
Thank you,

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 2021-08-20
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I deposited money into M & T Bank. The funds were due to a personal injury settlement. There was a Court Order requiring the funds be placed into a restricted account with no withdrawals prior to 18 without prior Court approval. On XX/XX/XXXX I received a letter from M & T stating they would be closing the account as there was no activity for a period of time. On XX/XX/XXXX I signed a paper stating the account should remain active and again explained that the account wouldnt be accessed until my daughter was XXXX. I again received a letter in XX/XX/XXXX stating the same thing. I called M & T on XX/XX/XXXX and told them to keep the account active and again she would not be accessing the account until XXXX. In addition, I requested our address be updated since we moved. Today, XX/XX/XXXX, my daughters XXXX birthday, I called M & T to determine what I needed to closed the account. I was told that the account had been closed on XX/XX/XXXX because the state requested the funds and there wasnt anything further for them to do. After further research, I located the funds at the Pennsylvania Treasury Departments Bureau of Unclaimed Property. This account was opened per Court Order when my daughter was XXXX  years old. They accepted the funds and opened an account knowing she wouldnt be touching this account for 8 years. Now we have to go through the unclaimed property department to collect money, which failed to gain interest for the past 6 months due to their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2023-08-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I was contacted by XXXX about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TIDEWATER FINANCE COMPANY, INC.
State: NV
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:
XX/XX/XXXX XXXX XXXX XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX XXXX ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX  credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts that are listed on my credit report and the letters that I have attached. Here are the issues with the following accounts XXXX XXXX XXXX   XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX**, Payment : {$510.00}, Issue : Date open and/or High balance is incorrect ( This account is listed by the Original Creditor and the collection agency they sold it to ) XXXX XXXX XXXX   XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : {$550.00}, Issue : This is a duplicate account XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Issue : This account is not mine XXXX XXXX , Date : XX/XX/XXXX, Account # : XXXX****, Amount : {$210.00}, Date : {$210.00}, Issue : This is a duplicate account This information was disputed and came back as verified as with no proof furthermore this information is inaccurate. Some of this information is reported twice and I know that is not supposed to be.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: AR
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 name is XXXX XXXX XXXX, who is submitting the CFPB Complaint myself for you to inform you about the wrongdoing of the 3 Credit Bureaus. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. They are reporting inaccurate information in my credit report which affects my credit scores and financial standing. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items needs to be deleted that are reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$140.00} ; 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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed my consumer credit file was incorrect and incomplete, related to the Capital One account. Capital One is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. Capital One has incorrectly reported my credit card account as a flexible spending account, which it is not. Capital One also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with Capital One and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. Capital One 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that all accounting be applied based on actual amounts that are due. I have been paying an extra {$600.00} to {$700.00} per month towards negative escrow, which has not been applied accordingly. The monthly statements issued by SLS show that the minimum monthly payments due are {$1600.00}. The principal payment is {$200.00}, with interest being {$360.00} per month, which leaves the balance {$1000.00} to be applied to escrow ( ex B ). The {$1000.00} has not been applied towards escrow due, instead it has been held in suspense accounts and re-allocated. Per CFPB rule 1026.41, the amount due, has shown more prominently than other disclosures on the page and, if the transaction has multiple payment options, the amount due falls under each of the payment options and CFPB rule. 
Furthermore, the rule states that the monthly payment amount, including a breakdown showing how much, if any, will be applied to principal, interest, and escrow and, if a mortgage loan has multiple payment options, a breakdown of each of the payment options along with information on whether the principal balance will increase, decrease, or stay the same for each option listed must be shown. Since there is a lack of transparency in the negative escrow accounting, we are requesting that all payments be reallocated and applied to the negative escrow amount currently listed as {$21000.00}. 
CFPB Rule 1024.17 also has standards listed that must be adhered to in relation to escrow. if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency. Proper analysis is not being performed to bring the escrow account out of delinquency.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2019-07-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX XXXX  credit card number XXXX apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX XXXX saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX instead XXXX XXXX, I also found out that XXXX XXXX is owned by XXXX and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank. Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' XXXX instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX 's NOTE : I have paid my balance with late fees to XXXX  which is XXXX dollars, my desputing is with XXXX XXXX wrong claim of {$730.00}

Company response to consumer: Closed with explanation