BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: 21ST MORTGAGE CORP.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We are one payment behind on our mortgage for {$800.00} with 21st Mortgage. XXXX XXXX, Financial Counselor sent an email saying we could apply for XXXX, which we have done and our application is currently under review as of today XX/XX/XXXX. We have called XXXX, from XXXX and left a voicemail this morning. I called to make a payment for {$800.00} which they eventually took. They have been refusing to take my payments because I am one month behind. But I'm waiting to hear back from XXXX. They continually are harassing via email, and on the phone. They transfer calls to another person who continues to harass. Today when I called to make the payment the lady on the phone wouldn't take my payment until I told her why we are still a month behind. I told her I'm waiting on XXXX and she put that in the system. I asked her if she wanted my routing/checking number. She said she needed approval then transferred me to her supervisor who also wouldn't take my payment. She transferred me back to the other rep and then told her she could take my payment. Then she told me they can't keep working with us like this due to being a payment behind. 
I'm tired of being harassed by this company and it isn't just me. I've read reports on XXXX against this company. I sent an email stating I would pay on the XX/XX/XXXX which is the due date. XXXX XXXX from XXXX said back in an email she can't take that kind of payment arrangement. Which I paid today XX/XX/XXXX after they harassed and refused to take on the phone bouncing back and forth between rep a Supervisor. Please investigate. My understanding of the law during Covid is if you try to make a payment and they refuse they still have to count it as payment in full. I have all emails between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm unable to temporarily lift the credit freeze on my Equifax account. The website claims that we should be able to do it on the website but every time I login, I see this message : " EQUIFAX CREDIT REPORT STATUS We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. '' I've had this freeze over a year and every time I go to their website, this is what I see. 
Their second option was via phone and I've been able to temporary lift the freeze this way in the past but today I'm not able to do it because of a problem with their XXXX not being able to understand the response to the security questions. I've tried multiple times and was not successful. 

When you try to lift a security freeze on the phone with Equifax, it will prompt you for your SSN and address which the XXXX was able to recognize my response when I punch the numbers on the phone. When they start asking personal questions about your credit and allow you to answer them with XXXX to XXXX. The XXXX keeps saying " The didn't get a response from me '' regardless of me entering the number and # for the answer or saying the answer. 

Then there is no way for me to reach an agent to unfreeze because when you call equifax, it just keeps routing you to the automated system. 

These are the XXXX numbers, I've called Equifax to do this : XXXX and I also tried calling this number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: National Credit Adjusters, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by NCAXXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from XXXX XXXXl in XXXX  XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. NCAXXXX  is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from NCAXXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX equifax Credit report theirs is negative item that's 90 days late last XXXX of card XXXX its a fraud account please have equifax removed the one negative item I have a federal trade commission identity theft report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Despite my better effort to clear up the matter with the dealership XXXX XXXX XXXX and finance person involved XXXX XXXX XXXX XXXX XXXX stuck me to XXXX XXXX based on fraudulent terms and told me that the only way that I would be financed was if I purchased their exorbitant gap insurance. Commuting out right fraud they would not let. Me open a checking account at thier own bank which made zero sense to me Even after I made several complaints and went into the branch myself to clear up the matter insistence theres no place for me to have a checking account. I told him I simply didnt have the time or the money to wire it to them every time and it made paying my car bill extremely difficult since I couldnt get an app with new checking account or any account numbers from now on how to pay it I spent hours on hours on the phone and felt like I was forced into financial distress with them in order to create some sort of scam the phone with insurance. Which brings us to today and the incredibly horrific time Ive had blocking information on all three credit companies which puts them in violation of FCRA rules when it comes to fraud I am also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. ( 15 U.S.C. 1681o ).

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 2019-07-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
CRA is erroneously reporting negative items on my credit report.

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 2019-10-09
Company: 2288984 Ontario Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
209percent interest on a {$2600.00} dollar loan. Now owe XXXX dollars because I don't have payoff amount. Falsely led small print writing I signed for but did not see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse

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 2018-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX AND THEY TOLD ME THEY WOULD RENT OR ADVERTISE MY TIMESHARE I PAID THEM ON XX/XX/09 XXXX WITH MY CHASE VISA CREDIT CARD. I NEVER RECIEVED A CONTRACT UNTIL XX/XX/09BUT I CALLED BEOFRE I RECIEVED THE CONTRACT TO CANCEL AND I WROTE THEM A LETTER AND THEY NEVER DID AS I REQUESTED AND NEVER RESPOND TO CALLS OR ANYTHING. I BELIEVE THEY ARE A SCAM AND WHEN I LOOKED UP ON THE INTERNET THERE ARE MANY COMPLAINTS ABOUT THIS SAID COMPANY ABOUT JUST TAKING PEOPLES MONEY AND NOT FOLLOWING THROUGH WITH WHAT THEY TELL THEM. PLEASE HELP ME GET MY MONEY BACK I LIVE ON A FIXED INCOME AND MY HUSBAND IS IN A XXXX XXXX. I NEED MY MONEY BACK. THIS HAS BEEN A BATTLE FOR AWHILE NOW. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 All filled inquiries on my Equifax report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/2023. As the attached pdf below ( VALIDATION OF DEBT XXXX  ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unauthorized inquiry on my XXXX XXXX credit report from US Bank. I have attempted to have this corrected with both XXXX XXXX and US Bank to no avail. XXXX XXXX continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. US Bank is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed immediately

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did not get give transunion a verbal nor written consent, i did not authorize nor benefit from any of the following inquiries, Block and remove them immediately

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 2023-07-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid 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:
On XX/XX/2023, I paid {$5300.00} for two XXXX air conditioning condensers ( model XXXX XXXXXXXX ) using a CitiCard. At the time of the purchase I made arrangements with my installer, a regular customer of the AC seller, to pick up the units from the seller. 

After my installer went AWOL without having picked up the units from the seller, I called the seller to cancel the order and the seller agreed that they would not now release the units to the installer because the order was cancelled. However, the seller would not give me a refund ; bizarrely, the seller now claimed that the company policy was not to deal with the purchaser ( and only deal with the installer ). The seller advised me to seek redress by contacting Citi card to have the transaction voided, and my card credited. 

I made a formal request to Citi to credit my account for the merchandise that I did not receive but paid for. And I made sure to advise Citi that the merchandise still resided with the seller, as I confirmed with the seller over the phone and by email on XXXX XXXX. 

Citi responded by asking for a sales invoice as proof of purchase and/or confirmation of the lack-of-delivery/entitlement-to-a-refund. I explained to Citi that because I made a phone order, there WAS no invoice. I reminded Citi also I had indeed confirmed ( by the email that I had already shared with Citis investigator ) that the seller agreed to void the sale and hold onto the merchandise. I recommended that their investigator should simply call the seller to confirm : 1 ) that I used the Citicard for the purchase ; 2 ) that the order was canceled and ; 3 ) that my installer never picked up the units that I purchased. 

Bottom line : the seller held onto my purchase. I paid {$5300.00} that was never refunded and Citi failed in its duty sufficiently to investigate the claim on my behalf, looking to me as cardholder essentially to perform their investigation for them. Citi failed to credit my account by simply recovering the funds from the seller, AS THE SELLERS AGENT RECOMMENDED AS A SOLUTION. 

I am not now attaching documentation, since Citi has already collected that material and has it in its file.

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 2023-07-20
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ate at these restaurants and left a tip, my brother works at both places and he stated that the tip I left on the card they did not get. I did file a complaint today with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Nelnet, Inc.
State: NC
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:
NelNet appears on my credit report 8 times. XXXX ( XX/XX/2021 ), XXXX ( XX/XX/2021 ), XXXX ( No date ) all have different closed dates. The accounts were sold to a different student loan servicer and the account is no longer with NelNet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Affirm Holdings, Inc
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: Other problem

Complaint:
I made a purchase online XX/XX/XXXX in the amount of {$530.00} from XXXX and use the online credit account supplied by Affirm. After completing my purchase I received a credit line from Affirm. I then proceeded to wait for my order which never arrived within 30 days. After contacting the distributor I learned that XXXX never place the order. XXXX had received payment in full from Affirm for the total amount of {$530.00}. I had begun paying the loan and made 2 total payments of {$300.00} towards the amount borrowed. After learning the product was never ordered I canceled the order XX/XX/2022. I received confirmation that the order was canceled and the money was refunded from XXXX in the total amount. Affirm never credited the account for the return amount. After contacting affirm multiple times Affirm sent email saying it was 60 days past the date of purchase and that they can not help me with the refund credit to the account. I have shown proof to affirm of the cancellation and refund from XXXX. The Affirm has stated they had not received any money refunded from XXXX and that I'm still financially responsible to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

XXXX has refused to recognize my XXXX XXXXXXXX XXXX status as determined by the XXXXXXXX XXXX XXXX, despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported XXXX accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX University XXXX XXXX  XXXX XXXX ( my bank ) sent me an alert because TransUnion dropped my credit score by more than XXXX points in a single day. It would appear that either the NCRAs or XXXX ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

TransUnion has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other XXXX, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three XXXX reports, though all three XXXX agencies are also reporting " XXXX delinquent accounts ''.

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