BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We put in a complaint about this before. On XX/XX/2021 we had Capital One write a cashier 's check for {$250000.00}. Our mortgage company misplaced the check. Capital One told us they could not put a stop on the check for 90 days. They then put a stop on a cashier 's check for {$250000.00} after they said they could not do this -- without telling us. They will not honor the stopped cashier 's check. They asked us to have our mortgage company fill out an affidavit on the check so we could get our funds back. Our mortgage company did this, and Capital One STILL refuses to give us our money back. 
Capital One responded to the previous complaint ( Capital One CID : XXXX and XXXX CFPB Complaint ID : XXXX and XXXX ) with a series of lies. They claim that the check was stopped on the XXXX -- yet XXXX XXXX could not cash the check on the XXXX. This is impossible and is a lie. They also claim we called on XX/XX/XXXX to stop the check -- but why on earth would we do this after we saw that initially XXXX XXXX put the money in our account on XX/XX/XXXX??? 
Another lie is that the author of our response said we could ask for a stop on the stop payment. But on XX/XX/XXXX, Capital One stated that they could not stop the Stop! 
The letter also states that we will get our money back after 95 days from the date of the check. This would be XXXX XXXX. However, I called and Capital One said they would return the money on XXXX XXXX ( 99 days ). 

XXXX  XXXX -- can the CFPB do something about this criminal behavior? It isn't enough to just forward complaints to the very bank causing the issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have called many times to be told that I need to send an email message on the website under my account. I can not talk in detail to a person that understands it or can answer my questions. I just keep getting messages that they do not see anything wrong with my escrows or shortage. Since Freedom bought my loan from XXXX of XXXX my i have a shortage of XXXX that they can not and will not explain. Also, they made me increase my flood insurance which i did and sent them the declaration, but they still have not removed the charge for the extra insurance they are charging me for the last year. Again, you can not talk to a live person that can reconcile the problem. They just listen and send a message to the escrow department and I never get a call back just a message saying its correct. I want to get my loan audited because my escrows have went up {$1000.00} per month on my monthly payment in 1 year. I just got another notice saying they are going up again. It makes XXXX sense. I have had about 6 mortgages and have never experienced 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 2019-08-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In response to a Citibank bonus promotion, I went online to open a checking account on XX/XX/XXXX. According to the deadline clause in the notice dated XX/XX/XXXX, All information must be received and validated within 30 days of the application date to complete fulfillment of the account. After that date you will be required to re-apply. The 30-day deadline was XX/XX/XXXX. 

The Citibank letter, dated XX/XX/XXXX, claims that the signed signature card from me was not received until XXXX XXXX. That means that all information was not received by the deadline of XX/XX/XXXX and I was required to re-apply. 

I did not re-apply. However, the account was opened after the 30-day deadline of XX/XX/XXXX, on either XX/XX/XXXX or XX/XX/XXXX. Furthermore, my authorization was used to withdraw fund from another bank to fund the account on XX/XX/XXXX. 

Have uploaded correspondence from Citibank dated XX/XX/XXXX and XX/XX/XXXX as attachments. But did not see an indication that they were attached.

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 2019-09-19
Company: Western Credit & Collection Service, Inc.
State: OR
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: Investigation took more than 30 days

Complaint:
I filed a complaint with you against Western credit in XXXX Oregon keeping a report which is not correct on my a record affecting my credit score it's been way over two months nothing 's been done the  investigation that you did proves bias and discrimination because it's still there and nothing 's been done all you have to do is verify that my State insurance XXXX through the Oregon XXXX plan has already paid that bill over 3 years ago it's not my job to do anything since I've done everything I'm supposed to do it's your job do you do it correctly and to research this the right way and not just take someone's word for it because that is discrimination bias and I will sue you in a court of law if you don't fix the problem XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is in reference to : XXXX XXXX XXXX XXXX Account ending in 1906 Balance due : {$4800.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, 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 2022-09-07
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-12-25
Company: American Liberty Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
In XXXX  American Liberty Mortgage messed up my opportunity to buy a home. The owner XXXX XXXX provided information to an employee, XXXX, and then went on vacation. She gave the wrong information about how to do an approval for a XXXX  loan and stated they only needed one year 's tax return because I had a business for 10 years. They pre-approved me for the wrong amount and pulled my credit about 5 times. I got a home under contract and paid for the home inspection. Then they came back and told me they had to take the average of 2 years tax returns instead and the new pre-approval amount 'killed the deal ' so I could not buy the house and had to find a way out of the contract. Since they had pulled my credit score so many times it made my score go down a lot and I could not buy a house for about 2 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CCS Financial Services, Inc.
State: MI
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:
this ( CCS COLLECTION ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account at Chase in XX/XX/XXXX and have had regular direct deposit going into the account. On XX/XX/XXXX I deposited a {$200.00} check from what I thought was from my other account from a different bank but I realized within a hour it was from a closed account from that bank and not my current account but since it was after banking hours late that night ( XX/XX/XXXX ) I contacted chase the next morning informing them that I deposited a check from a closed account ( I never withdrew any funds after the deposit ) Chase told me it would just be returned and I would be charged {$12.00} fee, on XX/XX/XXXX the check was returned and my account was closed without any notification or opportunity to correct the situation even after I contacted them the next morning letting them know it was a mistake and trying stop the payment. I need my bank account and wasn't trying to do any fraudulent activity. I would appreciate it if you all could rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02
Company: CREDICO. INC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX sent my closed account to collections for {$15.00} after XXXX-18. I never received notice of an amount owed after my account closed until I received a letter from XXXX XXXX XXXX in the amount of {$15.00} on XXXX-18.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
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 account # XXXX is not mine and they have not provided me proof that i started this along with XXXX XXXX XXXX  for a XXXX XXXX  account # XXXX, XXXX XXXX XXXX for XXXX account # 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 2023-08-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX2023, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all 3 credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX//2023 at XXXX, PST, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX Experian, stonewalled with an automated system for 30 minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.

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 2019-01-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter. 
Equifax sent a letter stating they updated an extended fraud alert on my Equifax Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND XXXX. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit report. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward.

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 2023-12-25
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I have issues with financial services.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.

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 2022-11-19
Company: EQUIFAX, INC.
State: TX
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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