BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving messages from ( XXXX ) XXXX like the following : MSG on behalf of XXXX Texas XXXX XXXX ; MSGs may be monitored/recorded. For details tap XXXX XXXX XXXX # XXXX to receive balance info, reply YES. To OptOut reply STOP I never gave them permission to send me text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: NV
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:
he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached a FDCPA letter and FTC 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 2019-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.

First, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased  costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses. 

The fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.

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 2023-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX- XXXX XXXX inquiry ( XXXX XXXX XXXX XXXX- XXXX  ( XXXX XXXX  ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX- XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX  XXXX ( Equifax ) Blank XXXX- XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX ,  XXXX ) Please take this off my report its over 7 years old XX/XX/XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX Equifax ) these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer. 

I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case. 

I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.

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 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I attempted twice to set their monthly reward program parameter with my B of A issued corporate card. As I traveled on business I attempted four times in total to set my online account access each time resetting my password with the help of their security featured text codes and every single time the log in card is being rejected. 
The phone number listed on their online support line ( XXXX ) is invalid as the automated messaging system is repeatedly requiring to input the account number ( I did ) with every single prompt selection and it is unable to forward the call to the online operator from that dept. Instead it automatically re-routes the call to their regular customer service that is ... ... ... .unable to reset the online system access and it is unable to offer an assistance with rewards program selection category. Why the CSR is unable to help customer with selection of the rewards category is beyond me as, for example with XXXX, the category can be selected with only one quick of the mouse without even logging into the system.

I believe the B of A is purposefully setting up the system this way so it doesn't need to pay the rewards accrued in the use of the card. I frankly do not believe that the bank is that incompetent to not be able to set up such simple function as rewards category selection by a simple help from the CSR if their system is unable to process it online.

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 2022-02-14
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a phone call from XXXX, a rep of the Loss Mitigation department of my lender, Citadel Servicing Corporation, on XX/XX/2022, informing me that he had received notice from upper management that Citadel has finally signed up to participate in the California Mortgage Relief Program. 
I immediately contacted the XXXX rep and shared the great news and also requested for my application to stay active so that they could contact the servicer. 
However, on XX/XX/2022 I received another phone call from the same representative that advised me that Citadel has decided to not sign up for the program and therefore, my application will probably become inactive. 
Today, after numerous attempts to get a straightforward answer, Citadel 's Consumer Advocacy rep, XXXX XXXX XXXX, confirmed that the upper management at Citadel has decided to not sign up for the California Mortgage Relief Program. 
I informed Citadel that I will report this incident to multiple watchdog government agencies as this shady conduct from Citadel has become all too familiar. 
Furthermore, Citadel stated in a past correspondence that I owe about XXXX for the forbearance period I was placed under during the XXXX XXXX shut and lockdown. However, the correct amount for the XXXX months of forbearance I was approved for and also have a written contract for is {$50000.00}. 
Currently, I have sent in the Loss Mitigation Package for their review and am also actively working with a new lender to move my loan from this horrible banking institution. 
I have also requested multiple times in writing to please be informed on who is currently the owner of my loan. 
Unfortunately, I have not been given any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I flew from XXXX to XXXX XXXX. When i got off the plane i was text a transaction approval and saw it was not mine and text back no. It came back saying I already approved it. I then called my bank to find out that {$5000.00} was transferred from my savings account to my checking and all my money was spent on various charges in XXXX XXXX while I was flying to XXXX XXXX. The bank will not recognize my claim and I am now out all the money I had, about {$6700.00}. XXXX {$200.00} cash back transactions were completed in 8 minutes at a grocery store snd the manager XXXX said they found them on video and burned a copy for investigation. I want my money that was stolen but the bank will not validate my claim. I have been very diligent in protecting my card information and I have never shared my card or number with anyone. I did nothing wrong and this money was stolen from me wIthout my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The three accounts below have a wrong balance. 


1. XXXX XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017

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 2022-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: NY
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-10-07
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home on XX/XX/2019. I felt that I had to refinance solely because of the issue I had this year with Mr. Cooper and my mortgage, specifically the escrow account. I still have not received my full escrow balance from Mr. Cooper as of XX/XX/2019. Mr. Cooper has collected {$6200.00} in escrow monies since the beginning of this year, as of XX/XX/2019. On XX/XX/2019 I received an escrow statement of monies collected between XXXX and XX/XX/2019 totaling XXXX. I received {$3100.00} payment on XX/XX/2019. Six months of XXXX total {$3200.00}, a {$82.00} variance. Also not included are the monies collected from XXXX to XXXX of 2019 in the amount of {$2900.00} was not calculated to my escrow balance. Mr. Cooper still owes me {$3000.00} of escrow money collected. I have attempted to call Mr. Cooper however they have closed this account and I was unable to reach any customer service that would address my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-12-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX an identity theft victim. I am including my driver 's license, an Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit in where I detailed all of the charges that I did not make. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance XXXX {$540000.00} XXXX XXXXXXXX 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 explanation