BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
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 confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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 have another complaint against this XXXX XXXX XXXX XXXX  with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

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 2022-04-19
Company: EQUIFAX, INC.
State: CA
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 confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.

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 2022-04-19
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXXXX/XX/2022.

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 2023-09-01
Company: CITIBANK, N.A.
State: GA
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:
Citi responded to CFPB case XXXX stating a refund {$3600.00} would be issued by XX/XX/ to my checking account by ACH deposit. 

It was not.

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 monetary relief
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In the last week of XXXX i opened a new a new account online on my bank account with Wells Fargo. On the same day my wife logged in, and set up all her bill pay accounts since the bill pay information is not shared between userIDs. This marked my account as fraud and locked us both out of all our accounts. 

Unfortunately i discovered this when traveling, but i phoned from the airport and explained, and was told all locks would be removed. I arrived at my destination and couldn't use my credit cards, i was stranded without meals. I phoned again to straighten out the problem and was referred to another level up. I eventually got back my ability to use credit cards, although way too late to avoid embarrassment of begging for food and rides during a business trip! It may have cost me the contract. 

After arriving home i discovered my online access had been deleted and i had to set up my account again. Luckily my bill-pay information was still there, but i've lost all my historical data. 

I've been phoning the bank to try to get this resolved repeatedly since the end of XXXX and have accomplished nothing. They assigned the issue to one person but will not tell me how to get in touch with that person, only that i should leave a message and identify a reference number that they gave me, which i have. They promise to call me back within 24 hours, and did attempt twice in the past three weeks ( although so far outside the 24 hours limit that it should count as random ), once when i was in the bathroom, and once when i was at security at the airport. 

I find this to be an unacceptable level of service. I would like to have my account data restored to return my historical data if possible, but mostly i just want to get the issue resolved once and for all. Even if they do nothing more, at the very least i'm owed the courtesy of closure on this issue and some measure of responsibility for broken promises. I was tolerant of errors at the start when it could have been an isolated incident, but this now has become a pattern that needs to be stopped. 

Thank you for any attention you may be able to bring to this. It is not the first issue i've had with this bank, but it's the first to waste my time and money and affect my income.

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 2022-04-20
Company: Velocity Portfolio Group
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper. In XXXX they did not make my hazard insurance payment. After being contacted by me and insurance company multiple times they sent a check but I was informed by my insurance company that it was returned by the bank due to a stop order being placed on the check. I've emailed and called ( I wasn't able to reach in agent it keeps disconnecting ) and this servicer is terrible. I had more than enough in my escrow account and I need to know what happened to my money in order to pay the insurance company. They're giving me XXXX weeks to get them payment and this servicer doesn't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 explanation
Consumer complaint received 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to an AMEX platinum card offer. The promise was XXXX reward points if I spent {$6000.00} within 6 months. I met the criteria but was only awarded XXXX points. I reached out to customer service XXXX weeks ago to advise them that their conduct was against CA XXXX and reached out again last week to their Chairman, but have received no response I suspect I am not the only victim here I have all of the supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.

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 2022-04-19
Company: Financial Freedom Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my husband and I were considering a refi of our current mortgage as rates were low and we were considering home improvements. My husband received an offer from Financial Freedom Mortgage and we decided based on closing costs etc to not go with the loan, instead we used the funds we saved. My husband received another call from Financial Freedom Mortgage on XX/XX/XXXX asking if we were in the market for a refi, I heard his response as I was sitting right next to him, he said NO. The woman asked for a meeting with us. He said my wife would never agree to this. The woman asked if a manager could speak with him the next day. He said the manager could call but rates are too high. My husband never gave permission to pull his credit nor did I speak to anyone giving them permission to pull my credit. I was notified by XXXX XXXX later that day that my credit was pulled. The manager called my husband on the XXXX. My husband told him that they had no permission to pull our credit. The manager denied having hard pulled our credit but of course they did. Now we are receiving calls all day long from mortgage companies trying to get our business. They had no right to do this and I feel very at risk because all the mortgage companies calling seem to have access to our credit scores. Since my husband told the manager at Financial Freedom Mortgage what they did they have not contacted us again and when we try to call them they dont take our calls. I want them to contact the credit bureaus and notify them of their error. They will not take our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CITIBANK, N.A.
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:
I was using a Citi XXXX XXXX card for years. After a horrible 4-month fraud " resolution '' nightmare in XXXX, I decided to start using a different credit card from my main bank, XXXX XXXX XXXX. 

I called Citi to close my account on XX/XX/XXXX to close the card, as I did not want to pay the annual fee that would trigger on XX/XX/XXXX. They said that they would waive the fee for next year, as they would like for me to keep using their product. Except on the next billing cycle, the annual fee was on the bill. I called to say that I was going to cancel the card, as my wishes were not followed, and they said it was too late and started making threats against my credit score for not paying the {$450.00} fee. 

I told them that I wanted to cancel the card. They would not process the cancellation of the card due to the unpaid balance. I will not pay this fee that they specifically told me I wouldn't have to pay. As such, Citi has  been just adding more fees and interest to this {$450.00} ever month since XX/XX/XXXX. I believe the amount is around $ XXXX, and now they are sending debt collectors after me and my credit score. How do I put a stop to Citi Cards? Please help!

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 2022-04-19
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Credit Card company allowed someone to open a credit card account with my name and address without proper identification and verification. The account is listed as charged off on my credit report in which I never opened an account with Discover and my credit score never met the their credit card requirements.

I faxed and forwarded my signature and letter which was also notarized by a Certified Notary Public to provide proof that the charged off account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to Log In to Equifax to get my free credit report. My password does not work, the same password I wrote down years ago. 

OK, fine, so I use their system to send me a password reset. 

This is what I get, over and over again. ( See attached ) No code, just a message : " Your Verification Code ''. NOTHING ELSE. I have no idea why. ( see three examples of this attached ). 

I have tried this multiple times and get the same result. 

So I try to call in to speak to someone. They lead me through this entire process then say " No agent can speak to you now ''. OVER AND OVER AGAIN. 

They tell me to mail in documents. WHAT DOCUMENTS?? I AM TRYING TO LOG INTO YOUR SYSTEM. There is no process by mail to get this information. 

Please have them contact me somehow with the email they already have XXXX because I have no way to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Information is missing that should be on the report

Complaint:
On XX/XX/2019 I filed a dispute with XXXX XXXX XXXX about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( equifax ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( XXXX XXXX ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( equifax ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.

Company response to consumer: Closed with non-monetary relief