BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX 1 Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 non-monetary relief
Consumer complaint received 2017-05-21
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXXXXXX 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 2022-04-11
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I never ask for this card never received this card. Its not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting act, the following has violated my rights. 

The XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have a 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 consent

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 2023-06-12
Company: EQUIFAX, INC.
State: NC
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/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Affirm Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I booked a flight in XXXX from XXXX. I changed it due to the lengthy travel times between the airport to our hotel. A XXXXXXXX XXXX couldn't have sat for that long. Not realizing that although my flight was canceled and rebooked with the same rental car service and a closer airline to our hotel, XXXX did not cancel my rental for XXXX rental cars. I used Affirm to make the purchase and also chose XXXX rental again for the new car at the new airport. I paid off Affirm only to find that they required another {$450.00} from me because of a RENTAL CAR I NEVER USED and believed was canceled as it was a package deal. There was no information regarding this when I canceled and it was a very sneaky, underhanded move. I will not pay for services I did not use. I still purchased from XXXX and I still used XXXX. The customer service at both Affirm and XXXX is comparable to their despicable supposed policy limits. This is strong-arming and I will not pay a conglomerate corporation like XXXX money I DO NOT OWE. Consumer abuse tactics like this are reminiscent of fascism. 
Furthermore, XXXX rental cars provided a completely different vehicle from the one we chose. A mini XXXX without A/C in XXXX weather XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 received a copy of my credit report and found the following item ( s ) to be in error : please see attached documents

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
XXXX reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( XXXX ), who claims to use Trans Union as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because Trans Union has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the Trans Union credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing Act.

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 2021-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

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 2021-04-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX two withdrawls from my online bill pay for {$990.00} and a second withdrawl of {$990.00} both to XXXX XXXX XXXX were deducted from my checking account. Due to lack of funds in checking, a transfer from our linked saving account for {$1800.00} was sent to checking and a {$12.00} transfer fee incurred. My wife and I called our bank, Wells Fargo, and reported these transactions as fraudulent. We did not make these payments or withdrawls and no one else known to us was in possession of our bank cards or had our account information. Wells Fargo opened an online fraud case ID # XXXX. On XX/XX/XXXX Per Wells Fargo instructions our checking and saving account we're closed and we opened new accounts at our local branch. On XX/XX/XXXX We filled out and returned the requested affidavit of online fraud as requested by Wells Fargo. We explained we were at the intersection of XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, PA while waiting for an appointment on XX/XX/XXXX. This is not the best part of town and we were on my new cell phone while waiting for appointment. We believe my phone may have been hacked during our visit to that location. My wife has made several requests to speak with a bank investigator, to no avail. We believe we have the IP address for that location saved in my phone. On XX/XX/XXXX the bank has not returned our stolen money and has denied our claim ( which included an undisputed withdrawl of {$1800.00}??? ). We have disputed this finding and an escalation has begun ... case # XXXX. We requested another call back from an investigator but no response. This whole process with communicating with Wells Fargo has been a nightmare. Being transferred from one department to another, departmerts unable to locate our case number. Call backs were promised but not delivered. Our original case included a withdrawl of {$1800.00} which we did not dispute. Oddly enough our funds appeared back in our new checking account on XX/XX/XXXX and disappeared again on XX/XX/XXXX. My wife called the bank to be told the money was not returned it just appeared that way when transferring over to the new checking account.

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 2019-10-09
Company: Experian Information Solutions 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 noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that Experian has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through Experian to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

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 2023-05-18
Company: AMERICAN EXPRESS COMPANY
State: NC
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 have a American Express Delta Skymile Credit card for few years. I received an offer on XX/XX/XXXX to upgrade my credit card and receive XXXX skymiles if certain criteria were met. They are enclosed in the PDF attached. Once, I met those criteria and called them for the first time in XX/XX/XXXX, they said skymiles were issued and taken back immidiately against my past negative skymiles balance. However, I have no negative skymiles balance either in Delta Airline Account or American Express Credit card account. This can be varified in the attachment. I kept asking in several subsequent calls for months to give me promissed skymiles and if not why would they not show negative skymile in my account. I was never given the skymiles they promissed in the deceptive promotion and no one ever gave me an answer and simply hid behind the line 'This is company Policy '. If company policy is to hide information from client so they can steal from their client in future, then this is a deceptive practice and a regulatory action is warranted on the company. Furthermore, if the company already knew that I have a negative skymiles balance in my account, why did they choose to send me an offer when they certainly knew that they will deduct these miles from the clients account. They chose not to disclose about my negative balance in this offer email. This is another deceptive pratice by the company. 

I called several times for XXXX months but there was no resolution. I requested to lodge complaints as well but the reps were dilly dallying in thier response. After several calls, I was finally able to lodge a complaint with them in XX/XX/XXXX and the case no. for this complaint is - XXXX. It has almost been 2 months since last call and again no response. To this date, I have not received a single email, any phone calls or letter in the mail to notify me of any negative skymiles balance in my account. On my last call in XX/XX/XXXX I was told that I still have approximately XXXX skymiles and I have no way to see it anywhere. 

They have wasted a lot of my time and still refuse to resove the issue and give me my skymiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My Covid 19 foreberance was scheduled to end XX/XX/XXXX. I contacted BSI financial to let them know to extend on XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and was only sent to a voicemail each time. I started my forbearance on XX/XX/XXXX and my 360 days would not be until XX/XX/XXXX. I just received a notice of default and intent to accelerate.I have not been offered any loan modification and have been charged late fees. The company is unresponsive and they are not acting in good faith and my loan is secured by USDA. I am asking for your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/XXXX I have initiated two international transfers at your branch in XXXX, GA, in person. The transfers have never been executed, the bank responded to an earlier complaint on the same issue with : * Allegedly they tried to contact me for more information. I have never received such a call. 
* That I should just try and transfer again, using the transfer PIN issued to be. 

Whilst it is correct that I have also requested a transfer PIN, allowing me to perform transfers, this PIN only arrived XXXX XXXX XXXX, and when I tried to first use it early in XXXX, it was no longer valid, according to the help desk, due to the merger between Suntrust and another bank, resulting in Truist XXXX 

I was informed by the helpdesk that I should contact the branch, which does not have to be in person, to have a new, valid PIN issued. I have sent several emails to the branch manager, however I have received no response. 

I have since tried to have a cheque issued and sent to me, unfortunately your internet banking solution does not allow a bank cheque being sent to a non-US address. My bank in XXXX has confirmed that they can honour such a check. 

This leaves me in a position where I still can not transfer money, unless I travel to a branch again. I am XXXX XXXX, residing in 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 2021-04-26
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Ally via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the late payment in XX/XX/2019 they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Ally has not been able to verify any of the information reported, they have the late payment remaining after several contacts for verification. The payment was made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I havent been able to access my citi account for XXXX MONTHS. All they call about is getting my minimum payment, but when I try to get access to my account again it is ENDLESS transfers and holds. 
I can NEVER get anyone from the USA on the phone, anything I ask besides their script gets IGNORED. 
WORST. COMPANY. EVER. 
And then today ( XX/XX/2022 ) I get a voicemail from them, call back ( which takes XXXX min to even get connected ) to which point the person is asking ME why Im calling and when I mention that YALL CALLED ME, I get put on hold. Still am on hold. 
IVE WASTED SOO MUCH TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation