BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited XXXX dollars into my account and a few days later it was closed. I could not gain access to my checking account. Chime requested documents to prove where the XXXX dollars came from and so I sent them my information and proof of my unemployment benefits. Now its been days and radio silence, they have stopped replying to my inquires. During this pandemic things are hard as is and now imagine having your funds locked up and no one answering. I would like for them to send a check to the address on file and close my account. I want nothing to do with their horrible customer service and would like all my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Was not notified of investigation status or results

Complaint:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXX XXXXXXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2023-03-17
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from my mortgage company, PennyMac, with this text on the outside : " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN ''.

Of course I had to open the letter. ( After I realized it was an advertisement, I realized that looking for the presorted-standard postage was the clue that the text was a lie ) The letter offers me up to {$50000.00} with a cash-out refinance. 
Reading the fine print, they're offering me a {$340000.00} loan at an interest rate of 7.624 % after paying for XXXX discount points and with a XXXX score of XXXX. This will have a mortgage payment of $ XXXX ( without escrow ). 

My current interest rate is 2.75 % on about {$290000.00} balance ( XXXX years remaining ). My non-escrow mortgage payment is currently $ XXXX. They're looking to raise my monthly payment by $ XXXX. 

I guess I have several problems here. 

1 ) I think it is wildly dishonest to require my attention for an advertisement. Given the important financial relationship I have with PennyMac, I have to pay attention to communications from them ... so sending advertisements under the guise of " IMPORTANT INFORMATION ABOUT YOUR HOME LOAN '' is extremely misleading. 

2 ) PennyMac has all the information to know that this is a terrible deal for me. It is an absolutely usurious offer. There are very few situations where this offer would be anything other than a terrible deal designed to entrap a financially stressed person.

3 ) I had already requested to be opted out of marketing, but apparently that may have only applied to email marketing, not snail-mail too?

I have included images of the envelope, front/back of the letter, and insert. Please feel free to reach out to me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: IL
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 have sent out a method of verification request to the credit bureaus and all they have sent back to me was the account was verified, or that they have updated information in my credit file with the note : NOT SPECIFIED. I then sent another dispute letter regarding all incorrect, inaccurate, unverified information on the account " XXXX XXXX XXXX '' ( XXXX ). The creditor has " updated the information. I recently I have noticed that XXXX has not shown any time that I have disputed information with them in the past. XXXX  has stated that they do not provide the documents that are required for proper verification. So I am lost, if the FCRA indeed states that method of verification is indeed the credit reporting agency obligation, then why come XXXX, XXXX, and Equifax can tell me anything different?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AR
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: UT
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:
Dear XXXX XXXX XXXX XXXX ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received an letter XX/XX/XXXX from freedom mortgage our flood insurance renewal was not received by Freedom Mortgage My agent checked and they XXXX XXXX : XXXX XXXX sent the on XX/XX/XXXX along with the Homeowners insurance renewal. The Homeowners was paid he flood was not. Again on XX/XX/XXXX XXXX my insurance agent sent the renewal flood policy to freedom mortgage. It was not paid again? Again on XX/XX/XXXX My insurance agent sent again another renewal policy. Freedom mortgage did not pay that one either out of my eswcrow. Then we got a letter from FREEDOM MORTGAGE stating that you were going to force place FLOOD insurance on us for {$3800.00}? We contact our agent since the renewal grace period we had to get a new policy. We were grandfathered in on our old rate of {$850.00}, because we bought our house before the FEMA changes. So the new policy we have to write is for {$1800.00}? We feel you are at FREED MORTGAGE is in violation of Respa since they never sent the renewal and cause our insurance to go from {$850.00} to {$1800.00} .Freedom mortgage will not help simply stating that they never got the flood renewal that we sent 3x from my agent. We are requesting a How do we resolve this?

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 2018-08-20
Company: Innovis
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized in XX/XX/2017 and sent home the next day. Was rushed back to have to get XXXX XXXX, XXXX XXXX removed from my XXXX. Hospital stay was over 30 days and when I said I was suing the hospital for sending home with XXXX treatment, I never received a bill. I checked my credit and multiple debts are on my report some twice or three times repeated, I also have inquiries that are unauthorized and Im unable to get updated scores after calling and faxing in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, 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 2023-02-08
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi CFPB. I got a disaster experience from CITI bank. I am under a big potential loss of XXXX dollars and more citi 's thank point loss. 

So I currently have 4 credit card of citi banks. It is just fine. CITI always sends useless promotional emails which I usually ignore. On XXXX  XX/XX/XXXX, I received a promotional email from CITI that they wants me to open saving account, 3.4 % yield, and if I keep XXXX dollars for 60 days, they will give me XXXX $ ( it will be 3.4 % +0.9 % *6= 8.8 % yield ). Please see attachment ( citi_promisied_saving_account_they_lied.pdf ). 

I opened my CITI saving account on XXXX and I have transfered XXXX dollars at the same time to XXXX saving account. Please see attachment ( now_citi_managed_to_get_my_money.pdf ) Then you know what happened? 

They closed my saving account on XXXX after they received my XXXX dollars. Please see attachment ( this_is_how_citi_makes_money.pdf ) At the same time, they block my entire citi accounts. I not only lost access to my XXXX dollars saving account but also all my credit cards. 

I use a few days to give XXXX dollars to CITI and CITI can steal my money for years until they return me a check which they never promise a data and paying no interest for it. 

At the same time, they can easily ruin my credit score by not allowing me to access my credit card online account and not allowing me to use any cash back I have earned.

I spent hours to go through CITI 's customer service, thank you for the rude customer service, hours wasted by moving me from one and the other department in a cycle way again and again, and even the launghing in the phone call which makes me totally not able to understand what is the customer service that CITI trained for, I decide to file this claim at CFPB. The only fault I made is that I trusted CITI, but know I do not believe it is fair for me to take such big loss.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-30
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been with this company for over 22 years and purchased over 8 vehicles. on Many occasion due to their faulty telephone automated system they have marked me over 30 days late literally destroying my credit score and ended up setting with me for an undisclosed amount, Recently this has happened and I was told it would be corrected some were and there are 2 that are still on there. After so many calls and so many different representatives I have given up. The last person in the Compliance Department reached out to me after I filed a XXXX  report. She had only been with the company for 2 weeks an was very dismissive towards me and rude. She became argumentative with me because she was unfamiliar with the autumated system and told me straight out that the system does not give out calculated days past due. I proved her wrong and she became very hostile towards me. I'm very familiar with this company because I have had them for 22 years, probably longer than most employees that have worked for the company. I get paid once a month and sometimes it is during the end of the month so I monitor the days by calling the automated system that will tell me how many days I'm past due. I do this to be accurate so that I make no mistakes. The problem is that I found out after getting # 0 day late marks is that the system does not keep the calculated days over the weekend so if it say your 27 days past due and you make the payment on the 29 avoiding the 30 day mark, on Monday the system will say that when I made my payment it was 31 days late. This is confusing to someone who was not given this information up front. How is a customer suppose to know that they cant trust the automated system over the weekends, If I cant call the company that holds my loan to confirm accuracy then this is a problem because they are the ones who hold me accountable. This is unfair and needs to be corrected and so do the two 30 day late marks. My record of 22 years shows that I don't make late payments past 30 days. The other issue I have with this company is I was recently told that I could of changed my due date to avoid late payments that I incur every month due to the way I get paid. Out of the many many representatives I spoke with none of them ever offered that advice, instead they let me incur XXXX dollar late payments every month knowing there was a solution. This is very poor customer service to not try to offer a way to avoid these fees knowing all along it was fixable. It was more to their advantage to keep collecting fees from a long time loyal customer of 22 years is very low and takes away from their reputation of being honest and professional. They with hold this information for financial gain and that is not right.

Company response to consumer: Closed with explanation