BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Celebrity Financial, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I chose XXXX XXXX XXXX : XXXX, a loan officer working for Celebrity Home Loans https : //www.celebrityhomeloans.com/, to process my mortgage application for a conventional 30 year fixed rate loan. He issued me a Preapproval letter stating a rate of 2.49 %. 

As the loan approval process began, he told me he locked the rate at 2.50 %. Then a few days later he said he actually failed to lock it and the rates have gone up by then, and my lock is at 2.625 %. Then again, a few days later he said the lock did not in fact happen, and I have a lock at 2.75 %. And he lied because a few days later I received a final message stating my lock is at 2.875 %. Only then I received a paper stating the lock rate, and this is is what went in my final loan approval letter and Closing Documents. 

XXXX XXXX has repeatedly lied about locking my interest rate, and I ended up getting a much worse rate than initially specified. All of our conversations about getting a locked rate at 2.50, XXXX, XXXX are documented. We received no rebates or other incentives. 

I posted reviews on XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX a subsidiary company of Celebrity Home Loans through which the loan was processed ). XXXX reached out to me asking me to delete these reviews in exchange for a cash refund of {$620.00}. I don't want to delete my reviews because they are accurate and fair, and they might help other consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

I told the Experian, XXXX, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-04-05
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. i have not purchased a new car {$400.00} is past due

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 2023-10-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
Delete Hard Inquiries Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to Trans Union about being a victim inquiry issue. I explained to them the inquiries on my account. They refused to move them and told me to wait two years like everyone else! I also reached out to every company that gave me the fraudulent inaccurate inquiry and they told me there was nothing they could do well! 

The inaccurate Trans Union inquires are as followed -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -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 explanation
Consumer complaint received 2021-04-05
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THERE IS A COMPANY/DEBT COLLECTOR, CAVALRY SPV I , LLC. THAT BOUGHT THIS OLD DEBT IN XXXXAND THEY ARE TRYING TO COLLECT. THEY ARE USING XXXX XXXX XXXX , XXXX ATTORNEYS AND COUNSELORS AT LAW TO TAKE ME TO COURT TO SUE.THIS DEBT IS FROM XXXXTHEY TOOK ME TO COURT ON XXXX XXXX TO GET MY PAYCHECK GARNISHED. I'M WONDERING WHAT THE STATUTE OF LIMITATIONS ARE ON AN OLD CREDIT CARD DEBT IN INDIANA. I ASKED THE JUDGE AND HE DIDN'T SEEM TO MUCH ABOUT THE STATUTE OF LIMITATIONS. I ASKED THE COLLECTOR WHEN THE LAST PMT. WAS MADE AND THEY ADVISED THAT DIDN'T KNOW. I ASKED THIS COLLECTOR IF THIS OLD DEBT IS TIME BARRED AND THEY SAID THEY DON'T KNOW.I ASKED THE JUDGE IF THIS DEBT IS TIME BARRED AND HE DIDN'T KNOW.THIS IS OVER 7 1/2 YEARS OLD. MY UNDERSTANDING OF THE STATUTE OF LIMITATIONS IN INDIANA IS 6 YEARS ON A CREDIT CARD DEBT, AND TIME STARTS AT THE TIME OF THE FIRST DEFAULTED PAYMENT OR THE LAST PMT. RECIEVED.WHICH THERE WASN'T ANY. I KNOW NOTHING ABOUT COURT AND ALL I KNOW ABOUT THE STATUTE OF LIMITATIONS IS WHAT I'VE READ ONLINE. PLEASE HELP, THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/22, I requested by phone Ally Bank transfer {$930.00} of interest from a High Yield 5-year CD to an account at another bank. I was told it would be done within 5 days. It never happened. 

On XX/XX/22, I called back, received an apology from employee XXXX and promised it would be taken care of that day and I would receive number showing it has taken place. I received reference # XXXX ; however, again nothing was done, no transfer. 

On XX/XX/22 I called for the 3rd time and requested a supervisor. I spoke with XXXX, who promised the transaction would be completed by the next day and that I would receive either a call or email confirming. I was not contacted and again nothing happened. 

I then called again on XX/XX/22 and spoke with XXXX ( from the Leadership Team ), who promised this would be immediately taken care of and I would be notified by the next day regarding the completion of transfer. Again, I have heard nothing, and no transfer has been started.

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 2023-09-23
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
disputed all charges for all three credit reports and creditors Springs Oaks and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Diverse Funding Associates LLC
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: Their investigation did not fix an error on your report

Complaint:
I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I have been reviewing my credit reports and requesting investigations into all accounts that appear to be reporting inconsistently and inaccurately. One of the reported accounts, XXXX XXXX ( XXXX Card ) has been reporting inconsistently and inaccurate information since XX/XX/2019 at least. Despite my numerous letters to the credit bureaus, they continued to report that the account is valid and without error. As you will see from my attachment, this is definitely untrue. From my last investigation request, I was pleased to see that XXXX  finally reacted responsibly and deleted the account based on how it was reporting. XXXX  and TransUnion continue to report the remaining account in violation of the FCRA. 

I think at this point I have been more than patient despite their lack of efforts to be compliant with FCRA guidelines. The account needs to be deleted from XXXX and TransUnion as the data furnisher appears to have no intention on reporting accurately.

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 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Apple Card overcharged for a transaction 11 months ago. I dont have the voucher unfortunately, but I signed a voucher for {$50.00}. Apple Card charged me fraudulently {$190.00} The card is asking for evidence when I said I dont have the voucher. I also asked for the copy of the voucher for {$190.00} to Apple Card This card is charging for something that does not exist. They do not have evidence either. 
Restaurant XXXX  did not provide me with a copy of the voucher. 
It was a mistake of the restaurant ( we split the bill ) Or, a mistake from Apple Card. I DID NOT sign a voucher for {$190.00}. It is a way for stealing money from customers. Other credit cards act on behalf of their customers. I dont accept this charge of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.

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 2020-03-11
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX  still showing on credit report even though it is told old to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2022 we refinanced our mortgage with XXXX XXXX. Our previous mortgage lender lake view loan servicing sent our escrow balance to our previous address and wont correct their error for another 30 days. By that point it will have been 60 days since our loan has been paid off and that does not include the time it will take for the check to arrive. I have called them to correct this however, they refuse to resolve it any sooner.

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 2018-04-18
Company: Premier Holdings
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: CITIBANK, N.A.
State: MN
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:
I have had a personal credit card through Citibank for several years. In late XXXX, Citi contacted me with a " fraud alert '' and after reviewing recent charges I found several fraudulent transactions. I reported these to Citi by phone and they began an internal " dispute process ''. Four of the 5 transactions I reported ( dated from XXXX ) were eventually resolved and refunded, with transaction amounts ranging from {$2.00} to {$49.00}. 

There was one transaction in a higher dollar amount that did not appear to get investigated or go through the normal dispute process : Date : XX/XX/XXXX  Vendor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$3400.00} This transaction is not listed in the dispute center and when I have tried to call Citi support about it they have hung up on me multiple times. I have tried to contact XXXX  directly but they do not have any phone number published ; ultimately I was able to make contact via email and the company confirmed that neither my account nor my wife 's ( since we have both used XXXX to rent swimming pools ) created a transaction in that amount. I would expect Citi to issue a chargeback to XXXX or to otherwise escalate this issue with them, but they do not appear to have taken any action and Swimply no longer replies to my emails either. 

It's unclear to me as a consumer how I am supposed to handle a large, fraudulent charge like this on my credit card, and I believe I have exhausted the channels available to me through both my credit card issuer and the company making this charge. I'm confused by this whole situation and worried that I will be responsible for a giant charge that I did not accept. ( Note that even by XXXX standards, this is a large transaction. A typical amount would be $ XXXX {$200.00}, not {$3500.00}! ) Dear CFPB overseers- Please help me get this resolved ( either via Citi or XXXX ), so that I can get my money back.

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 2021-04-05
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I opened an account with Barclays through the XXXX XXXX Credit Card program in XX/XX/XXXX. Due to health issues, I fell behind on payments resulting in the account being closed and charged off in XX/XX/XXXX. 

Since then, Barclays has continued to update my account status on my credit report as a C/O, like clockwork on the XX/XX/XXXXof every month. 

In mid-XX/XX/XXXX ( around the XX/XX/XXXX), I paid off the balance in full with their in-house recovery company, XXXX XXXX XXXX. Both Barclays and XXXX confirmed that the account had a {$0.00} balance. 

In XXXX, Barclays is now refusing to update my credit report and now claiming that they can not find my account / claiming there's a name mismatch despite having ZERO issues reporting the delinquent account EVERY MONTH since XXXX. For the past week, since I've paid off my account, I've been given nothing but the runaround and zero answers from Barclays reps who claim my account no longer exists or is mine. 

I find this unacceptable and basically feel like Barclays is holding my credit score hostage by refusing to update my report in a timely fashion ( if they even intend on doing it at all ), and multiple representatives either providing me with blatantly false or incorrect information. 

My account number is one ending in 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 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

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 2022-03-18
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MO
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 2023-09-06
Company: EQUIFAX, INC.
State: AR
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:
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.

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 non-monetary relief