BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All the information they have provided turned out to be false. They keep making excuses and stalling. At this point my school has already sent them the refund but they keep denying this and have said they never received this. The last time they even sent my school the wrong refund and it took about a month and a half to get it resolved only for them to stall it longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland credit management had gotten an account to a credit card that was closed, when MCM contacted me they told me if i didnt set up a payment agreement with them they would take me to court, take my home or my wifes car if i lost in court to pay the debt, i set up a payment agreement for {$50.00} a month until paid in full was informed that if I canceled the agreement they would claim the full amount from my bank account and if they could not get the full amount from my bank account they would take me to court, i filed a complaint with CFPB due to them reporting missed payments but not payments made, their responce to the complaint was to stop the pay agreement, they refused to answer any calls i made to them for over a month, during the time of 30 days they had reported missed payments to XXXX and reported collection to XXXX XXXX XXXX has already removed this account from my report because MCM lied on the report, reporting missed payments the whole time, i sent screenshots of my bank account and letters MCM sent me showing payments made ( i still have the proof ) now the MCM has stopped the pay agreement as their responce for me filing a complaint with CFPB this is retaliation as they are damaging my report even worse then before! All i wanted was for them to report payments made as even though they was reporting the balance it was not explaining how payments was being made, i have been denied all forms of credit because of what they have done, they even lied to me on the phone saying they can not remove it from my credit report as they " didnt put it there '' so i know for a fact everything they are saying is a lie, so for this Retaliation, falure to accept payment, falsly reporting to credit bureaus and deception practices, i want them to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX I contacted Freedom Mortgage regarding my escrow. There were several escrow transactions associated with my hazard/homeowners insurance paid by Freedom. {$2300.00} previous provider, XXXX which was cancelled, {$1600.00} to another insurance provider to replace XXXX which was cancelled as well. Freedom paid my new provider, XXXX {$1700.00} for escrow year, XXXX to XXXX I received refunds both payments and sent those back to Freedom to be put back into my escrow account. I also made two mortage payments during this time. When I contacted Freedom about my statements ( XXXX and XX/XX/XXXX ) escrow balance, their statement was different from what representatives discussed with me on the phone. Even their XX/XX/XXXX statement listed {$1600.00} three times, 1 as payment ( or refund ) and two as payments ( out {$1600.00} ) which is incorrect. It is my belief that Freedom purposely does not list real time information on-line because of deceptive practices. Please assist with correction of my escrow balance.

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 2023-11-29
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I called on XX/XX/2023 to update my mailing address and the customer service representative was rude to me and did change my mailing address but continue with that attitude wich I complained about it. Three days later on XX/XX/2023 after I open the Affirm app and notice my credit history disappeared from my account along with my purchasing power that was {$800.00} just before talking to that person and a credit denial message for a credit request I never made. 
Looks like someone or somehow deleted my credit history from my account. 
After that I called several times and chat various occasions trying to get my credit history back with no results, I can't request any credit because I will be denied for the lack of credit history as it did happened since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: LA
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/2023 I XXXX XXXX, XXXX XXXX used an XXXX atm in XXXX to withdraw money. I withdrew {$400.00} however the machine did not dispense my money! I immediately contacted CHIME XXXX XXXX XXXX, XXXX was told that the charge was pending and that Id have to wait 3-5 business days to see if The XXXX ATM Network would credit it back to my account. However on the third day I called and was told that the transaction had processed and Id have to file a dispute! I filed the dispute and within 2 days the claim was denied. I reached out to the XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advised them of this issue and it was then that the dispute department told me that CHIME NEVER CONTACTED THEM ABOUT THE ATM IN QUESTION NOR DID A CHARGEBACK AS PROHIBITED BY LAW TO LOCATE THE MISSING FUNDS!!!! I called CHIME support and asked for the documents used in the in the investigation. Upon receiving the denial claim XXXX XXXXXXXX and the reason for denial THERE WAS NO CONTACT WITH THE MERCHANT IN QUESTION NOR DID THEY ASK ME TO SUBMIT ANY SUPPORTING DOCUMENTS! I contacted chime again and had to creat a rebuttal XXXX XXXXXXXX dispute! MULTIPLE DISPUTE TEAM AGENTS AND SUPERVISORS informed me that I was eligible for a temporary credit! I called regular almost every other day most times everyday for at least three weeks! Upon the temporary credit due date I was informed that I was not eligible due to it being a rebuttal! I asked the representative to investigate and read the emails that chime had sent me confirming that Id have the provisional credit by the XXXX. Its the XXXX n multiple supervisors and agents can see that I am eligible for the credit and that it is showing bold red meaning it is overdue and shouldve been released! XX/XX/XXXX I am being told that they changed their policy and I dont get the credit! I shown and sent them multiple evidence of the promise from them to me reassuring me that the money would hit my account! Still to no avail all I received was apologies and sorries! Very disappointed n no longer trust chime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
They reported late payments and didn't follow law accordingly 15 usc 1666b ( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX Stat. 2998. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly 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 2023-10-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with XXXX, XXXX, and Experian. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to XXXX, XXXX, and Experian to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: RI
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:
These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX failed to report accurate information to the XXXX major credit reporting agencies after submitting several disputes. Online portal fails to provide detailed account information referring to days past due on such loan which also include company representative providing false information regarding account status. XXXX XXXX offers unfair and deceptive loan servicing practices. Company failed to provide detailed information regarding accurate payment history. I am requesting XXXX XXXX to remove all derogatory marks from 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 2023-11-27
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. 
In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. 
To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. 
In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. 
I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. 
Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. 
I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. 

PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXX and block request was filed with Experian on XXXX. The victim determination documentation meets all requirements as required by law under 12 CFR 1022.142 which includes a self attestation letter accompanied by signature from a representative of state governmental entity along with the identified adverse information. The law states that Credit Reporting Agencies are to block all adverse information within ( 4 ) days of their receipt of the block request. Experian has failed to do so and is treating the block request as a regular dispute and making their determination by using methods outside the of the proper procedure and is not adhering to what it specifies under 12 CFR 1022.142. Experian is making its determination and basing its investigation on inaccurate information gathered from the data furnisher of the information, disregarding the actual consumers personal knowledge and self attestation statement. Experian is also allowing items to be furnished without the written permission of the consumer to whom the consumer report relates to. As required be law, Experian is to delete any information it does not lawfully have the permission to furnish within its agency or public system/database. It is XXXX many days past the 4 day period. Experian 's actions are unacceptable and inequitable. The consumer made aware to a woman named XXXX XXXX on XXXX an agent within the Experian Consumer Affair Office, of the discrepancy and still we so no blocked adverse information to date. This filing with the CFPB is to maintain record of this transaction as an exhibit, as it is our expressed intention to file suit against Experian in a court of competent jurisdiction for allowing these inequitable practices to continue without reasonable accountability. We give Experian its final opportunity to cure before proceeding and filing of federal claim. They have been properly noticed of the matter. See attachments :

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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