BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated 6/16/18, 2nd letter sent 7/18/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an  extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/, 2023 I tried to get a copy of my report to confirm accuracy It says when you call them you can get a free copy because of XXXX XXXX every 7 days. Thats completely untrue If you open a dispute for an address, they hold your file hostage for 30 days and wont even let you view it : so many things can happen in, 30, days. Why do they say you can view them every 7 days for free but you do not mention that if you have an address dispute open, you cant and have to wait thirty days to even see old files much less the new ones unless you PAY to sign up for a subscription service? Thats very misleading and very harmful as people can see so many changes in a 30 day period. 
If they say you can view every 30 days per their site, you should be able to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a phone call and a text from Citibank inquiring as to whether I had recently attempted to charge {$930.00} for clothing. I had not. I spoke with a Citibank representative on the phone and explicitly stated that neither I nor my husband, who also has a card, had attempted to make this charge. The representative assured me that all was well and that the charge would not appear on my account. On the XXXX, I looked at my account online and saw that the {$930.00} charge was pending. It appeared that my existing account was closed and another account was being created. On XX/XX/XXXX I looked at the account online again and saw that the {$930.00} charge had been posted to my account. I had a credit balance because of a reimbursement for unused airline tickets, and the {$930.00} had been deducted from the credit balance. There was no indication that the charge was an illegitimate charge. I disputed the charge online and received a text from Citi stating that I would be receiving a new credit card. On XX/XX/XXXX I called Citibank and spoke with six different representatives. Even though I explained several times that the bank had identified the charge as illegitimate and presumably had denied it, I was unable to get the {$930.00} restored to my account. Representatives insisted that I had not been charged although clearly I had. A print-out of the online account status is attached. The last person I spoke with told me that an investigation was underway and that the credit card company had a process that they were following. I have received nothing in writing about this charge from Citi either online or by mail. I have requested that the account be closed and that the credit balance be refunded to me.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/2022 Our company sent a check to our vendor to cover an invoice. They never received it and we issued a new check and found on our bank statement that our original check had been cashed by a person not the vendor and the reissued check was cashed by our vendor with their information on the back. 
Told by our bank to obtain affidavit from vendor received XX/XX/2022 and turned into bank on XX/XX/2022 along with police report. Vendor also reported to USPS the theft of the mail. Have been in contact biweekly with banker with no satisfaction and no response. They say they ae calling, but never tell us what has transpired The banks fraud department says they need more info, but they have everything. 
Had to open new checking account which has added to a customer not updating the new banking information on there end and we have a Payment Advice going to the old account and now we have money in limbo, the bank says it should seamless go to our new checking account and they say they notified there people to make sure it transfer. We need these funds to pay our bills. And I feel that the bank is just dragging their feet., The bank is BMO Harris XXXX XXXX XXXX XXXX XXXX XXXX IL

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 2022-10-29
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently contacted Navient my loan servicer to get 2 charges of {$110.00} removed. Last month on XX/XX/2022 they set up 6 month plan with me to pay the lowest amount which is around {$30.00} for 6 months. I had to pay a very small fee to do this. After this contract was completed last month, they charged me {$110.00} for XXXX and XXXX which is not what I consented to. The payments Navient does for the smaller amount in the contract is through autopay but the contract clearly states that the amount to be withdrawn is the amount in the contract not any other amount. 

Navient sent me a message this week saying that they can reverse the {$110.00} but doing so will be reported to credit bureaus as delinquent status for my loan. They also said the amount withdrawn on XX/XX/2022 was done by myself but the account is on autopay which is required for the contract. I did not authorize Navient to charge me 2 separate times of {$110.00} and they are trying to blame me for having auto pay on as if them making extra payments outside contract while Im on autopay is consensual which it is not. Autopay doesn't mean Navient can take out what and when they want it is designated for the contract amount once a month for 6 months and nothing more. 

Navient does not have the right to abuse autopay and tell me that I will be reported for delinquency to the credit bureaus when I am making payments via contract to them for 6 months. 

In the documents I will submit to you I will show the messages I got as well as the payments that show only 1 reversal instead of 2. 

So Navient is taking advantage of the autopay while trying to ruin my credit and they won't refund both of the XXXX illegal charges from their unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Per advertising low interest rate mortgage refinancing, we contacted Quicken Loans through the Rocket Mortgage web site. 

XXXX called us several times, and after sending me an email on XX/XX/XXXX, I replied back. My wife, XXXX, and I have lived at this home since XXXX. 

The refinancing amount was about {$270000.00}. XXXX had us lower the estimated value of our home to {$800000.00} to avoid a home appraisal. Per XXXX and XXXX, our house is estimated at {>= $1,000,000} to {$1.00} and those match recent homes sales in our neighborhood. 

Since this refinance was started, we retrieved a Payoff Letter from our current lender, XXXX XXXX. This triggered them to suggest we also apply for refinancing through XXXX, which we did, and found a lower rate. 

XXXX was notified and he said he could match that rate if we provided our financial documents. This caused us to delay continuing with XXXX as we felt that XXXX was trying to provide a fair offer. 

Because XXXX and I own 90 % of XXXX, XXXX, a " C '' corporation we founded in XXXX, we are considered self-employed, and had to provide not only our personal financial information, but also that of our company. We provide all of this material. 

On XX/XX/XXXX, XXXX said we didn't qualify because of income was not sufficient. 

XXXX has been in business since XXXX. XXXX and XXXX have been employed by XXXX since then. 

XXXX and XXXX XXXX each show a credit score in the XXXX, though it may be the high XXXX since these refinance inquiries have reduced them some. 

In the 30 years we've lived in our home, we have never missed a payment or been late on a payment. All taxes and insurance have always been paid. XXXX and XXXX have no debt outside of the home mortgage. XXXX and XXXX pay off credit card debt every month. 

We believe that XXXX and Rocket Mortgage/Quicken Loans, denied this loan after interfering and slowing our progress with the XXXX XXXX refinance. We believe this is due to bias per our age, as XXXX is XXXX and XXXX is XXXX. They claimed it was related to Covid and insufficient income, yet we've made the same {$12000.00} per month gross for many years. This was a simple refi without any additional cash out, so our costs would drop, not increase. 

We believe they made promises and offers that they were not prepared to make, and used Covid as a reason to suddenly ( our income was always stated clearly up front ) reject the offer they no longer wanted to make. They had to get us a better rate to match the XXXX XXXX offer, and perhaps later showed concern about our age. 

We have {$500000.00} in investments, along with adequate income, no debt, a promising high tech computer software job, both of us have XXXX XXXX XXXX degrees in XXXX XXXX, our our industry is terrific for jobs. And of course the house itself is worth nearly {$1.00} XXXX more than the refi loan amount of {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
there is a item on my credit report that i can't identify and have tried to dispute the item but is having a hard time doing so with equifax, nor can i get the original contract or documents to prove accuracy of this item it's on my credit report from XXXX XXXX XXXX {$1300.00} i'm in need of information so that i can prove ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Bridgecrest Acceptance Corporation
State: AL
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 15 USC 1681. 
Account name : bridgecrest acct # XXXX Account name : Bridgecrest acct # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was approved for a {$7000.00} hybrid loan from SeedFi. {$4000.00} available immediately, and {$3000.00} secured in a 'locked ' savings account. The monthly payment was {$320.00}, which I kept current. On XX/XX/XXXX, I received an email from SeedFi stating that my loan was being taken over by their 'trusted partner ', XXXX. The monthly payment was still {$320.00}, which I kept current. On XX/XX/XXXX I decided to pay the loan off and have the savings account unlocked. I initiated a payment of {$4000.00} which was processed, and deposited, by XXXX on XX/XX/XXXX. I immediately called XXXX and asked them to release the lock on the savings account so I could access the much-needed funds. Was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than XX/XX/XXXX. It is now the end of business on XX/XX/XXXX and I still do not have the funds. Furthermore, XXXX outright lied on an email to me about the payoff of the account, claiming it was XX/XX/XXXX ( please see attached document ). The payoff was 17 days earlier. Furthermore, XXXX initiated an auto-withdrawal from my checking account AFTER I paid off the account even though I have called numerous times informing them the auto-withdrawals need to stop immediately. In total, SeedFi/XXXX  owes me {$3300.00}, DUE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
this card was bought as a gift to a family member, thwy used it to purchase virtual items such as video games, within a couple of weeks we noticed the first fradulent transaction. The first amount was {$18.00} on XX/XX/XXXX. Then there was multiple transactions to wish for an amount of {$9.00} on XX/XX/XXXX. I see two transactions to wich but there is also some pending, but its hard to read how much was stolen. After this we thought we had lost the money with nothing to be done, but we believe we deserve better and decided to give ourself a chance to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Verisk Analytics Inc
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information

Company response to consumer: Closed with explanation