BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-05-09
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I checked my credit report 2 weeks ago and noticed 2 false collections accounts with a collection agency I never heard of or from. I disputed both accounts and was denied with no proof of this debt or any attempt to collect this debt. 
Both accounts are with Firstpoint Coll Resources for  {$330.00} for a visit to XXXX XXXX in XX/XX/2016, 3 years ago. I have paid all of my medical bills and have insurance. I also never received written notification or any communication about this debt. I do not owe this debt. 
The same company submitted another false account of {$91.00} for XX/XX/2016 as well. 
These are not debts I was ever notified of or given any proof of owing. Which is required by law. I have paid all medical debts and do not owe this debt. 
Thank you for your assistance in looking into this and disputing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Kelsting Group, 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:
I defaulted on an auto loan with XXXX XXXX and its been sitting on my credit report for the last 4yrs. Its been charged off. However, another agency, Pacific Credit has been reporting this default as their own. So I have XXXX reporting XXXX and PC reporting XXXX plus accruals. This makes it seems as though I am in more debt than I am and that I have defaulted on two loans instead of the one. Unaware of its origin I disputed the account and as a result PC has now placed their account in active collection reflecting that I am currently XXXX days late when I have had no contact or made no arrangements with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2021-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Trying to get a hold of fifth third bank, regarding about the early access plan I had years ago with them I owe XXXX I have been trying to reach out to get this payment settled & removed from my credit. I keep getting the run around I have called 2 collection companies and fifth third itself. Proof is that XXXX XXXX has my number and the times Ive called in there system as of XXXX XXXX I sent letter regarding a pay for delete and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MS
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit

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 2022-03-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to XXXX to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: USCB Corporation
State: MD
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 keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom this may concern. Capital One has restricted my account and Im unable to use my credit card. I have not received any letters, communication directly from the company as to why I am being restricted. I have made over 4 attempts to reach out to capital one to get a reason as to why my account is restricted and the company refuses to provide any valid reason as to why my account is restricted. Im reaching out to see if CFPB could be off assistance to get answers as to why my account is being restricted and me being unable to utilize my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the 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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2023-01-03
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we applied for XXXX XXXX through Lennar Mortgage. We received notification on XX/XX/XXXX that we were officially approved through Lennar. On XX/XX/XXXX we gave a down payment of {$13000.00}. 

We were advised by the loan processor on XX/XX/XXXX that we were all approved by underwriting and no further actions were needed. We received a closing cost worksheet on XX/XX/XXXX which showed our cash deposit paid of {$13000.00} and a total cash required to close in the amount of {$4900.00}. 

On XX/XX/XXXX ( just 38 days away from closing ) we were contacted by Lennar bank and told that our XXXX XXXX  was denied by underwriting and that we needed to change our loan program and terms to a conventional mortgage oppose to XXXX We asked for details and explanation as to how that would affect us and we were advised that we needed a higher credit score typically. We advised that there had been no changes since our credit was pulled initially so our credit score would not have increased by XXXX XXXX in XXXX XXXX  We were told that the loan processor would get back to us with the new loan terms. 

We received a notice via email that the XXXX XXXX was canceled and a new Conventional loan document was ready for signing. We also received new closing statement on XX/XX/XXXX and new loan application/agreement which showed a conventional loan with a different base price for the home ( a higher amount ) and a much higher cash required to close in the amount of {$17000.00}. 

We immediately expressed our concern for the significant price difference. Particularly, the amount required to close as well as the base price of the home. We advised that we would not be signing the new loan agreement until weve had the opportunity to speak to someone about why the amounts were significantly different. 

We contacted the Lennar loan processor, the Lennar New Home Sales Consultant and the realtor and expressed our written and verbal consent. We were advised that they will be able to explain everything once all the new loan documents signed and reviewed by underwriting. After reviewing the terms of the loan, the base price of the home, the fees required and the additional XXXX XXXX to close, weve come to terms that this was not something that was agreed to when we went under contract originally. 

We expressed that we could not financially afford the new terms of this conventional loan and that we do not have the funds available to satisfy the new required cash to close. We asked several times by written email request, text messages and voicemail to have our deposit of {$13000.00} refunded back to us. 

On XX/XX/XXXX we were told by the Lennar New Sales Consultant that Lennar corporate will not release our deposit and will hold it for one year.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: NJ
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 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed claims against Experian and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 Experian CFPB Claim # XXXXXXXX XXXX  CFPB Claim # 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 2020-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
From XX/XX/20 to XX/XX/20, I had made multiple orders through Banana Republics website. For each of these individual orders, I used reward certificates that I previously earned through their Banana Republic credit card. For some reason, I was not re-issued these reward certificates after I returned the items. Usually, Banana Republic/ Synchrony Bank will re-issue these reward certificates to my account after returns are accepted and processed. The amount of certificates I used totaled up to be {$790.00}. I have attached all the screenshots of the relevant orders. I contacted Synchrony Bank twice about this issue only to have them send letters on XX/XX/20 and XX/XX/20 regarding the topic of gift certificates and gift cards, so it was clear they did not understand my concern at all.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Twice, XXXX  of dollars were removed from my savings account overnight. It happened once and they couldn't explain it and then turned around and did it again a few days later. This was money I inherited from my mother. I had to move what little I had left from their bank and I have never gotten an answer of it returned. It is truly a horrible bank!

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 2023-02-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I made a payment to my credit card company for {$2000.00}. The credit card company never applied this payment to my account. 
So I filled a dispute with my credit card company and provided proof from XXXXXXXX XXXX that this payment was made by providing them a copy of the cashed check for {$2000.00}. 
Months later, On XX/XX/XXXX I finally received a letter from my credit card company stating that I was not responsible for this disputed amount. and the appropriate credits would be applied to my account balance. This has still not yet occurred. 
I have been attempting, unsuccessfully, for 6 months to correct their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I filed a complaint with Citibank because I still have not received my funds from my closed account. 
On Friday, XX/XX/XXXX, I received a response from the bank where it tells me that my check will arrive at the address between 7 to days In the response they send me, they do not inform me of the tracking number and the company through which they sent it.

This information is necessary since they have been with my money for a year and 6 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXX has reported information in credit report for medical debt. They report several different dates. XXXX XXXX XXXX complaint concluded that the original company responded they do not have an account with my information. The information was removed and is now reported again. Previous complaints submitted. It has been disputed and removed over XXXX times with trans Union, XXXX, and XXXX. Recent dispute requested a signature to validate that this is my account. This has not yet been received. Also requested proof of account opened XXXX as that is incorrect. The company has never provided information in writing as they did not have the correct address but during a complaint process Ive of the credit bureaus provided identifying information in the dispute. This company is not abiding by fair credit rules and the credit bureaus keep allowing this information to remove then get reported again.

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 2021-10-17
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CHIME I spent {$16.00} at the gas station today at around XXXX CST ( the same gas station I use 2-3x per week, and the same method of pymt ) and now I have a {$75.00} hold on my Chime account and have no way of recovering my funds. Chime customer service makes you hold the line for almost an hour ( same amount of time when trying to use the chat feature ) just to tell you a memorized statement claiming that they are aware of the issue. There are posts all over the internet and also customers are complaining to chime from their XXXX account and nothing has been accomplished. People are not able to use their Chime cards even with funds showing available. Some can't use the ATM, some are missing deposits, and some are complaining about a large amount of customers ' money being withheld after getting gas. I need my money back ASAP.

Company response to consumer: Closed with explanation