BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls on all hours of the day and night including weekends which started about two months ago from various phone numbers e.g. XXXX ; XXXX ; XXXX ; XXXX ; XXXX. But recently it's more so than usual meaning everyday including weekends and the past two days left a voicemail message from two different persons - XXXX and XXXX XXXX - Demanding to call them back at XXXX ext XXXX. 
The voicemail message left on my phone today demanding I call them back and give them my attorney 's name and number, and if I don't have an attorney it would be to my best interest to call her back. I urge to contact her today. choose not to respond i have no choice may proceed to next step which will impact you. 
It is very frustrating as now they are calling my kids, my work, my Mom, my siblings and their spouses to name a few. This is beyond harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Public record information inaccurate

Complaint:
I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED immediately.

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 2020-03-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent the credit Bureau XXXX TRANSUNION ) on XX/XX//23 letters asking them them to verify the fraudulent items on my report. I've also sent in FTC Report and Each time they update the file stating that everything is verified correctly. My credit report are still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. 
Accounts/Inquiries are below. TRANSUNION is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX 2.XXXX 3.XXXXXXXX 4.XXXXXXXX 5.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 non-monetary relief
Consumer complaint received 2021-05-05
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home was appraised two years ago for {$250000.00} and my tax appraisal is {$240000.00} and is based on a XXXX so its about 30 % lower than the actual value. I applied for a refinance with my current lenders XXXX US Bank XXXX mortgage department who kept sending me advertisements in the mail and they arranged for a man to appraise my home. The first phone call he was very rude, short with me and he wasnt helpful or friendly at all. He told me he had one time and that was it so I took that time to have the appraisal. When he got here I tried to talk to him and he basically told me to be quiet and go in the house and he would let me know when he was ready to come inside. I tried to talk to him several times and he refused to even acknowledge that I was there. He didnt let me tell me him about my property about any upgrades nothing. Then he came back with an appraisal in this housing market that was less than my appraisal from two years ago. He didnt get the square foot correct and made numerous other errors. He compared my home in the comparisons to a an 800 square-foot house with more acreage but all wooded and he wouldnt reconsider even when I sent him more comparable comps. My home is almost XXXX square feet and is fenced and cross fenced and has 11 horse stables and a huge indoor riding arena. It also has an indoor pool with a building larger than my home that he said had no value. The 800 square foot home sold for {$320000.00}. I told the bank right after he left of my belief he was XXXX  and XXXX against a person of XXXX with the bank. I think he saw I was a person of XXXX and therefore lowballed me on my refinance. The bank said they tried to get him to reconsider and he wouldnt and I can not believe that they would allow that to happen in this day and time.

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 2023-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing to file a complaint against Chase for mishandling a dispute and chargeback from a merchant, leading to unethical practices. 

Last month, I made a purchase on XXXX for a vacuum cleaner. The seller explicitly mentioned free returns and a no-questions-asked refund policy. However, upon receiving the product, I found it to be not worth the {$180.00} XXXX paid, especially considering it is being sold in XXXX for only XXXX XXXX, a significant difference. When I requested a return and refund from the merchant, they provided only a return address without a prepaid return label, leaving me with no other option but to involve my bank. 

I complied with the banks requirements and provided evidence for the dispute. Chase subsequently handled the case and initiated a chargeback from the merchant. However, today I discovered that they have deducted the same amount from my account again. It appears that Chase is attempting to make me pay for this amount while benefiting from the chargeback scheme. 

I request your intervention in this matter and urge you to take strict action against the banks behavior. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Madam/Sir, Back in the Fall of XXXX  my mortgage company, Freedom Mortgage, suddenly increased the amount of money to be paid in monthly installments. Ever since I many times tried to get an explanation as to what exactly caused this raise in my payments. 

This company apparently does not have customer service to speak of, since I never received a satisfactory explanation. Worse, the personnel that is charge of handling issues of this sort - like what they call " escalation team '' are in the habit of simply stopping responding to you when they find your issue is too pesky to address. 

Attached are documents that very clearly outline the problem. 

Thank you! 
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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 received a notification from XXXX XXXX that my TransUnion score dropped 75 points. When I contacted TransUnion to see why. ( Because nothing has changed, I have a 100 percent payment history, no new credit ) I spoke with a Supervisor and they could see my score dropped but could not tell me why. This is unacceptable, I use my credit score for my livelihood and now this is going to effect me until corrected. Which obviously is not going to happen quickly. Credit Bureaus should not be allow to just drop your score with no explanation. My score went from XXXX to XXXX. That's the difference between good and bad.

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 2022-10-06
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2022, I made online international wire-transfer via Citibank, XXXX XXXX XXXX CA XXXX XXXX XXXX for the amount of equivalent {$520.00}. After 7 days, the Beneficiary hadn't received the money, I then called Citibank wire-transfer department to cancel the transaction, and withdrew the money. 
Since then I called Citibank wire-transfer department almost every other day, the answers were that the money was withhold by the receiving Bank, they couldn't do anything, while as a matter of fact, the receiving Bank in XXXX informed the beneficiary that they di n't received the transfer. 
On XXXX XXXX, I called Citibank wire-transfer department, and the customer service informed that due to the descrepancy on the XXXX code, the receiving Bank could credit the transfer to the XXXX account. 
On XXXX XXXX, I called Citibank wire-transfer department again, the customer service informed that the receiving Bank had returned the fund back to CitibankXXXX. 
I keep calling the Citibank transfer department, asking them when the fund will be returned back to my Citibank account, their answers were always saying that they are still escalating the fund to be converted from XXXX currency to USD currency. 
Up till today XXXX XXXX, 2022, I still haven't received the fund back. 
I do hope CFPB will help me to solve this problem, and hope that no further victims like me in future.

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 2023-03-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-05-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. I did not authorize these inquiries XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am filling a complaint about the inaccurate late payment the company reported on XX/XX/2020. The account is CAP1/L & T XXXX This account is listed as late on XX/XX/2020 in my XXXX  , XXXX  , and XXXX  report. I remember that during this month I spoke to XXXX  and XXXX  this is during the start of the pandemic that I was not able to access my money. I work in a hospital as a healthcare worker and was considered an essential worker as mandated by law. I was not going home during that time because of safety reasons. I called the company and let them know about my situation. They said that they will give me a grace period to make a payment on which I think is fair during that time. However, after I made a payment during the grace period they mention today I see a late payment reported in my credit report. 

This is the only late payment ever reported in the lifetime of my account. I thought that after giving you a heads up about my situation the company will able to compromise. I did my part on making payment despite the situation but I think the company has to honor their promise on not reporting this as late. I can not let them report derogatory information in my file. I need the late payment on XX/XX/2020 to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOU BROKE THE LAW You are in violation of the following subsection of the FCRA 15 USC 1681. Before I proceed, I would like to be clear to your company and those in position of authority at your company that congress makes it clear that the banking system is dependent upon my consumer report being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given that role. You assumed this vital role, and because of your assumption you have negatively affected my life and those around me causing me severe hardship, mental anguish and depression. I have been unable to get a job because you assumed this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) you were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction ( s ) even took place. You were also impartial because you allowed information to be reported without ANY evidence or consent, while only hearing one side of the story. You also infringed upon my right to privacy. 

NOTICE of Identity Theft and Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. THE BUREAUS. Account XXXX XXXX XXXX. XXXX XXXX. Account XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation