BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: LA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
My Citi Best Buy Credit Card was closed by the grantor due to returned payment on XX/XX/2022 for {$340.00}. This payment was not initiated by me and was attempted to be withdrawn from a XXXX account with insufficient funds. I was told the account can not be opened back up.

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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.

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 2018-10-27
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have requested a short payoff approval letter for {$60000.00}. This is the second mortgage on my property. Two months later the mortgage company has not responded with a payoff approval letter so that I can refinance this property. The second mortgage is delaying my efforts to refinance my property.

The second mortgage, Ditech, is putting me in danger of the making the bankruptcy court to eventually sending the property to a foreclosure upon and sold at an auction sale. My attorney has informed me that the second mortgage will not receive any money from the foreclosure auction sale if this happens. 

I need a response from Ditech Financial LLC if it is going to give me a short payoff approval letter that it is accepting the {$60000.00} as soon as possible. NOTE : Ditech needs to communicate with my attorney, XXXX XXXX or the mortgage finance company representative, XXXX XXXX ( XXXX ) XXXX, to let them know if Ditech will be giving me a short payoff approval letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: NY
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 asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : 1. Name of the account : XXXX XXXX, Account # XXXX 2. Name of the account : XXXX XXXX, Account # XXXX 3. Name of the account : XXXX XXXX, Account # XXXXXXXX 4. Name of the account : XXXXXXXX XXXX XXXX, Account # XXXX 5. Name of the account : XXXX XXXX, Account # XXXX 6. Name of the account : XXXX XXXX, Account # XXXX 7. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instruction.

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 2021-07-28
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Golden one has still not addressed the issue properly as a business institution should. There have been claims that my story has changed which again is falsified information. My story never changed. It has been stated that I was given multiple reasons why my claim was denied which again is incorrect. My claim was only denied based off of speculation on where the card had been used. So I need documentation and proof of evidence stating exactly why my case was denied and the evidential factors as to why my case was denied. I have filed a police report in this matter and need sufficient reasoning as to why my case has been denied. Extensive research was supposedly conductive but during this research XXXX stated I used my credit card at an ATM which again was false information. She was adamant about this and stated I had been using my credit card at the ATM which let me state again never happened. So I have been targeted by XXXX which what seems to be a personal vendetta during this claim investigation rather than any help what so ever and shes suppose to be a manager. Very disappointed in Golden 1 and how this claim has been handled. Golden 1 even makes false claims on their website stating members have zero liability for fraud. So yes I need a letter and documentation of the evident golden 1 claims they have on this claim which should be no problem for them since they conducted extensive research. Type it in a letter in depth and with great detail. 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 explanation
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XXXX 2023 my Citi bank debit card was charged multiple times from unauthorized ATM charges ( 6 charges of {$200.00} & 1 charge of {$100.00} ) I discovered my card and wallet was missing and instantly reported it and put a claim in with Citi Bank. They gave me a claims number and a couple weeks later I received a letter in the mail claiming that these charges were normal bank activity and I would not receive my money back. I then called Citi bank again asking them to resubmit the claim because these charges were clearly unauthorized and the card was not even in my possession nor have I ever withdrawn any money from an ATM with this bank. They submitted another claim on XX/XX/2023 and I still have not received any type of solution.

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 2018-09-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an  attempt to gain leverage by misapplying the payment an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: World Acceptance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022 I mailed World Finance a cease and desist which they received by XX/XX/2022. This can be proved with a recent complaint I submitted on XX/XX/2022, complaint number XXXX. I asked for the corporation to send me information regarding the alleged debt. The document is attached. It has been passed 30 days and I have not received the requested items. I also requested that the company request for the account in question be removed from the consumer reporting agencies. This has not been done as this account remains on my consumer reports! I did not give them permission and they didnt give me an option to opt in or opt out!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: R & B Corporation of Virginia
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: Was not notified of investigation status or results

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2019-08-05
Company: Freedom Mortgage Company
State: MI
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 have been making payments to Freedom Mortgage Company for about 2 and half years now and the majority of them have been paid online. I paid my XX/XX/XXXX mortgage payment on XX/XX/19 which was a Sunday  at XXXX. Freedom Mortgage changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XXXX  XXXX  not XXXX  XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XXXX. Freedom Mortgage refuses to take the 30 day late off my credit report. I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XXXX  XXXX  not XXXX  XXXX. My last call to Freedom Mortgage Co was with their Customer Liaison on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified Freedom Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19not XX/XX/19. Here are the dates & times of my calls to Freedom Mortgage Co trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XX/XX/2019XXXX XX/XX/2019 XXXX XX/XX/2019 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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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 2022-06-20
Company: EQUIFAX, 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:
Equifax claims that they corrected and updated all the information regarding my XXXX XXXX account. They have listed date of last activity as being correctly reported alongside they verified account as being accurately reporting, I have attached their response to my complaint. an investigation result from equifax regarding this issue alongside a current copy of how my account is reporting on my file. 
Please have equifax the XXXX XXXX  .NO other credit bureaus are reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please see the following accounts appearing on my credit file by Transunion, XXXX and XXXX : 1. XXXX XXXXXXXX - # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX - # XXXX These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received notification by mail that my Capital One 360 acct. had been closed due to inactivity. When I contacted the bank by phone the representative said I could only claim my money on-line. To do that I needed a claim form and property id # which I could only get on-line. I was referred to two different websites for unclaimed property. 
On XX/XX/XXXX I went to the XXXX XXXX XXXX and the branch market manager told me she would check out and get back to me. After I called a week later I was told the same thing, go on-line to submit a claim. I was given yet another website to go to request a property id #. Thereafter I " should '' hear back around XX/XX/XXXX. 
I opened this interest bearing savings acct. ( XXXX ) at the advice of my financial advisor, to hold 8 months of emergency living expense. 
My money has been confiscated and Capital One makes it impossible to claim it without a computer and computer skills. I am a XXXX XXXX XXXXXXXX XXXX  who has a son to help me with my computer challenges, without him I would be forced to forfeit my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 

15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).

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 2023-02-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express must consult XXXX XXXX XXXX and XXXX Identification Tools because are more accessible ( economical ) and XXXX Business is other option but I think it is more complicated and expensive than the previous ones. Remember while a business is starting is not recommended invest too much paying for this tools.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
TRANSUNION, HAS NOT DONE A ACCURATE JOB OF INVESTIGATING A PUBLIC RECORD THAT THE COURTS HAVE WITHDRAWN AND IS NOT ON XXXX XXXX XXXX XXXX, TRANSUNION CONTINUES TO VIOLATE MY RIGHTS SET BY FCRA AND TAKE NO RESPONSIBILITY IN THERE ACTIONS

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