BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: OK
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 instruction 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 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 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : PXXXX 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 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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Credit Card Acquisitions Group
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX ( Reference previous dispute that was removed ) This account is appearing again under a different company, this time with " XXXX XXXX ''. XXXX, a representative answered the phone saying, he was XXXX... I asked did he work directly for XXXX..He then replied I work for The Law Office that handled the judgement for your case. This account is over XXXX XXXX XXXX. XXXX stated he is not a collection agency, therefore does not have to give mini maranda. ( call was made XX/XX/23 at XXXX They say every call is recorded and maybe monitored. ) This is not only a misrepresentation of the representative of himself as well as the company, but also a misrepresentation of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: LA
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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loans have been paid back in full as of today. I reached out to the company to get a XXXX adjustment as I was having problems with getting caught up with payments. They told me each loan has a creditor and provided those names banks : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reached out to the creditor or bank the loan was issues through they said Affirm has that information on file. The banks do not have an account for me it is all through Affirm. Meanwhile, affirm told me I had to reach out to the creditors. I am looking for a goodwill adjustment from the payments made on the late payments reported to my credit report. Looked to see if they honored a PFD ( pay for delete ) arrangement with the collection agency but no one had an answer similar to that Goodwill adjustment requested In accordance with the fair credit Reporting act XXXX Account AFFIRM.COM [ affirm.com ], has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose..

THERE IS A TOTAL OF 11 LOANS WITH AFFIRM.COM THAT HAS LATE PAYMENTS REPORTED. I HAVE THE LOAN ID ACCOUTN NUMBERS WHENEVER REQUESTED. BELOW ARE THE PAYMENT AMOUNTS PAID IN FULL AND HOW MANY REPORTED PAYMENTS FOR EACH LOAN. 
{$660.00} *** {$770.00} 7 reported late payments : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 

{$290.00} *** {$330.00} * 5 reported late payments : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX 

$ XXXX {$290.00} * 3 reported late payments : XXXX XXXX $ XXXX {$180.00} * 4 reported late payments : XXXX XXXX XXXXXXXX XXXX. 

$ XXXX $ XXXX 6 reported late payments : XXXX XXXX XXXXXXXX XXXX. 


{$690.00} ** {$810.00} * 6 reported late payments : XXXX XXXX, XXXX XXXX. 



{$310.00} ** {$360.00} * 4 reported late payments : XXXX. 

XXXX *** {$220.00} * 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

XXXX *** $ XXXX 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

{$110.00} ** $ XXXX 7 reported late payments : XXXX XXXXXXXX, XXXX. 

{$360.00} ** {$420.00} * 7 reported late payments XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. XXXX judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair XXXX  as to how they record inquires and makes credit scores drop.

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 2023-09-13
Company: Chime Financial Inc
State: NY
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:
I called CHIME on Saturday, XX/XX/2023 @ XXXXXXXX XXXX. and inform the CHIME representative to stop a money transfer in the amount of {$760.00} because I realized that I am being scammed. She advise me that she will and the payment will not go through. When I check my account again on Monday, XX/XX/2023 the money transfer went through and then I was told that they will open an investigation and my money will be credited back to may account. 

I have called several times about this money transfer in the amount of {$760.00} and the CHIME representative keeps telling me that they will investigate and I will be issued a temporary refund, a few days later I receive an email stating no refund and the claim ( DISPUTE # XXXX - {$760.00} ) is DENIED. I called again and then I was told that the full amount on XX/XX/. Today ( XX/XX/XXXX  ) I receive another email stating that the investigation has been done and no money will be refunded - DENIED. My account is currently at - {$22.00} because I will not put any more money in the account. 

I need my money back because if it was XXXX they would have place a stop payment immediately on the transaction. 

Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2022-05-20
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, Hope this finds you well. I have two, both below {$60.00} accounts that were added to my report that hit my account without my knowledge. I am currently in process of taking out a mortgage, and these two incredible small payments that i had paid in full the second i was noticed are hurting my account over 100 points. 

The XXXX XXXX Account was kept without my knowledge for over 2 years, and was only brought to my attention when a credit pull was taken, I was never reached out to by the utility provider nor debt collector.

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 2023-09-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My mortgage was in Forbearance due to Covid- I worked with the NY Housing Assistance Program to get caught up - which I did. I on multiple occasions requested a forbearance when I again got behind on my mortgage which was denied every time I requested. The entire time I was requesting a forbearance- I was again working with the NY Housing Assistance Program for funding. NY HAP was in regular communication with XXXX regarding my application for the program funding and in XX/XX/XXXX XXXX still put my home in foreclosure status and started charging my account tons of Attorney Fees & FC Expenses & Late Fees. Please see dates and fees charged : XX/XX/XXXX - Attorney Fee {$1600.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Expense {$520.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$410.00} ( Advance ) XX/XX/XXXX - FC Fee {$35.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$560.00} ( Advance ) XX/XX/XXXX - FC Fee {$570.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XX/XX/XXXX - Late Charge Adj {$25.00} XX/XX/XXXX - Late Charge Assessed ( {$22.00} ) XX/XX/XXXX - LM Expense {$14000.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$450.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$150.00} ( Advance ) XX/XX/XXXX - FC Fee {$45.00} ( Advance ) XX/XX/XXXX - Attorney Fee {$3900.00} ( Advance ) XX/XX/XXXX - FC Fee {$1000.00} ( Advance ) XX/XX/XXXX - Claim Adj {$5000.00} ( Advance ) XXXX forced me into a loan remodification at a much higher interest rate ( 5.625 % ) than my Initial loan interest rate ( 4.250 % ). Prior to my forbearance my monthly mortgage payment was {$1100.00} but while I was in the middle of my Forbearance my regular monthly payment skyrocketed to {$1300.00}.

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 2022-05-20
Company: Experian Information Solutions 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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX sent my subscription. To collections after I paid my annual fees and was only subscribed for a year. I didn't even use it but once or twice. But the issue is my email account, my debt card and my phone were all stolen. So that account was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
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/22, my husband noticed that over {$2000.00} was debited from our checking account at Citizens Bank. We immediately called the bank and were told it was fraud associated with my husbands bank card. We were told they were cancelling his card and reissuing a new card. We were told the money would be credited back very quickly. For the next week, we called the customer service EVERY day multiple times following up. We were constantly being told different stories every time. Then we were told they had to find video footage and investigate before they would determine if we would be reimbursed. This caused extreme financial hardship on our family, as our entire account had been wiped out, with the exception of {$60.00}. After a whole week of contacting them, we got a phone call from their collections department, telling us that they debited our account for delinquency on paying our HELOC loan. We are enrolled in autopay, and could not understand why they did this. They then told us they couldnt debit the last two payments due to insufficient funds. My husband pulled up our account on both of the dates she gave us, and there was more than adequate funds to cover it, which he told the customer service rep. She then had him hold and came back on and was nasty telling him that they can not/ will not refund us the money they took. She then gave us the last 4 digits of an account and accused us of changing our account and thats why there were insufficient funds. My husband said that that was not our account, nor has it ever been an account of ours. We have had the same account since we opened with the bank. After holding again for quite some time, she came back on with a different tone and admitted that they had a system migration a few months ago, and our account was entered incorrectly. And that the error was on their end. She said the money would be refunded in 48 hours. We finally got our money back yesterday ; this has caused extreme emotional stress, as well as financial hardship. This could have been avoided with adequate communication amongst their departments. We are extremely upset about how this was handled. We have children to feed, and a house to care for. They left us with {$60.00} for a week and a half. If we had not called EVERY day and relentlessly pushed the issue, we still would not have answers, and NOT have gotten our funds returned to us. It is absolutely horrible customer service and a terrible way to treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The credit limit increase rejection letter says they are still evaluating their internal limits. There is no reasoning that has anything to do with my personal credit score or history. 

After my first complaint, they just resent the same letters back to me.

Company response to consumer: Closed with explanation