BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : 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 2022-12-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX & XXXX Original XXXX : XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-12-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. XXXX continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me. 
All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.

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 2019-04-02
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
when I joined XXXX they offered a Citi credit card. I took it just for emergencies, it stays in my glove box. I always use my visa from my credit union and pay the full balance every month. On XX/XX/XXXX I received a XXXX or XXXX XXXX letter delivered to my home. It was a Citi letter saying my account was past due. I immediately called for details. I was told XXXX had automatically charged my membership renewal to the Citi card. I explained that I did not authorize the charge and had received no statements, emails or calls. The representative suggested I pay the balance and he would file a dispute to refund the charges. I gave him my checking account routing and account number. {$240.00} went to Citi from my account ( statement attached ) On XX/XX/XXXX I realized a credit had no been received, so I logged onto the Citi account to check status. Not only was there no credit, the membership renewal was charged again, with interest and late charges. I contacted XXXX to complain and they referred my complaint to Citi. They say they lost my payment. The representative XXXX asked I send the statement copy. She later called and said she had listened to the call where I made the payment and was sure it had gone thru, but I needed to get more details from my bank, which I sent to her XX/XX/XXXX. On hearing nothing back, I asked on XX/XX/XXXX via email for status. I get a call back saying they had found the payment, and credited charges. I asked if she was going to contact the credit bureaus as this had lowered my score from its normal A to C ( copy attached ). She said that they would not. So I received my latest statement, attached, and it shows the lat charges and interest refunded. If it was not a mistake and they should explain to the credit bureau, why refunds? Citi needs to restore my credit.

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 2022-11-02
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2020-11-10
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Initiated & Submitted an atm dispute for {$300.00} on XX/XX/2020. I received an email confirmation of receipt of my dispute form. The representative & email both stated that if the atm dispute investigation wasnt completed within 10 days Id receive a provisional credit by the end of the XXXX day ( business days ). On the XXXX business day ( XX/XX/2020 ) nothing had been credited so I called chime and 1st spoke with a dispute consumer rep was told for some reason, my claim wasnt filed. Went ahead and refiled claim and told AGAIN that if dispute investigation was not completed sooner Id receive the provisional credit in XXXX business days. I explained that {$300.00} was for my cell phone bill and was lucky that my carrier understood what happened and gave me an additional 2 weeks to pay which is up 2 days from today. But now Ill have to wait another 10 BUSINESS days which is almost 2 weeks more! I asked to speak with a manager or supervisor because this is unacceptable. After speaking with manager/supervisor she said so sorry I dont know why this happened but I cant do anything about the provisional credit u have to just wait. I again explained I will lose my cell service because I cant pay my bill by the extended date and will lose service for which I need for my job! Sorry wish I could help supervisor says. So because of THEIR mistake I only not go without the {$300.00} but now Ill have to pay all the carrier fees for disconnected service ( {$100.00} ) + possible lose jobs because no cell phone ( anywhere from $ XXXX {$800.00} ). Thats a lot of money that I desperately need now! So bottom line, Im literally paying for Chimes mistake and their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Account status incorrect

Complaint:
Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least XXXX different amounts owed and they report it every XXXX months.

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 2022-05-31
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts : If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reported late payments on my credit report and without consent, that continue to affect me buying a home. Reporting my transaction history is against my right according to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; MY RIGHTS ARE CONTINUOUSLY VIOLATED BY THIS COMPANY AND I HAVE NOT BEEN GIVEN PROOF, AND ACCOUNT AMOUNT CONTINUES TO CHANGE/NOT SURE IF IT IS ALL ACCURATE.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My ex put a partition out for our house he has since moved out and has been out for about a month. I received a letter from our mortgage company in the mail without my name on it. I have been sick with a hypermobility disorder for about 2 months now and have been locked out of all my accounts and I have had no way to contact anyone. 

We jointly own the property at XXXX XXXX XXXX Missouri XXXX. The current loan on the home is through freedom mortgage and our last payment was made on XX/XX/2023 for {$970.00} so we are delinquent. Today XX/XX/2023 I called and spoke to XXXX 's service number is XXXX and he informed me of that information. He would not deny or confirm that I was not on the loan and when I requested that information he sent me to the freedommortgage.com website and told me I can make my payment. When I went to the website I got no information and was asked to login. 

Now my name and social do not get me into our loan anymore so I can't make a payment on my own home. I have a copy of the deed and the original loan documents with my name on them but they will not confirm or deny that that is no longer the case and I can't make a payment on the home I'm living in.

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 2022-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NY
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, and this month I will turn XXXX years old. I am dealing with a serious medical issue with my wife of 35-years. My situation is complicated, but I have been pressed with an acceleration letter to foreclose on my home. My home can be worth anywhere from {$170000.00} to {$210000.00}. I owe {$130000.00} on my mortgage that includes back payments. My recreational vehicle was repossessed, and I am virtually living on a fixed income. Accordingly, I request the opportunity for Bayview Loan Servicing to give me the opportunity to list my home for sale. My wife and I should be living in an assisted living center, and our current matters both medically and financially are just too difficult to deal with. I request a cease and desist on any foreclosure actions, as my home has equity and it should sell fast. A foreclosure action will only cause me financial losses that I simply can not incur at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.

Company response to consumer: Closed with explanation