BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: I.C. System, 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 have a collection on my credit from I C Systems. When I called, they said theyre a vetinary collection agency and theres a collection from banfield for {$630.00} of unpaid vet fees. I do not have a PET, so I am lost and confused on why I have vet bills. Ive never even been to a vet. This is inaccurate.

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 2021-04-03
Company: TD BANK US HOLDING COMPANY
State: FL
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 sent a dispute to credit bureau about a collection ( TARGET/XXXX  ) and I have not received a response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received a copy of my Equifax credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Equifax or XXXX XXXX. I advised Equifax that this account is in litigation and that it needed to be removed. Equifax removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options.

I thank you in advance for your assistance and response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021. 
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists. 
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged. 

My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members. 

The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification. 
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point. 
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line. 
My name is XXXX XXXX the son and only informant authorized to discuss account info.

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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/2020 and XXXX  XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.

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 2021-04-04
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Each week, I receive notices from various mortgage companies making me offers to refinance my mortgage. They make it appear as though it is coming from my mortgage company - for example the letter is addressed to me, and the return address is my mortgage company, but it is not my mortgage company. 

For example : Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Nationwide Multistate Licensing System and Registry # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account resolution Cor is reporting on my credit report. I advised them I never received a letter and had no idea this account was in collections on the last day of XX/XX/2021. They advised me they would get me a letter out, I have yet to receive it but they did report this negatively on my credit again today. Can I at least get a validation letter before they start tanking my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: OR
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:
We were under a XXXX forbearance but have begun a loan modification with XXXX XXXX Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from Experian and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both Experian and XXXXXXXX XXXX and asked them to correct this error. A new letter, dated XX/XX/XXXX, from Experian says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that XXXX should correct. Please help.

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 2023-04-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent in a letter to Experian on XX/XX/2023, requesting an investigation into items on my credit report. 

On XX/XX/XXXX at XXXX I received a email saying that they believe I did not request this investigation and that they believe it was from a third party, it was not, it was from me! 

The email is as follows : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I called them and informed them that it was indeed myself that submitted the request for investigation, and they advised me over the phone that there was nothing they can do. 

On XX/XX/XXXX, I sent another letter to them accusing them of stalling my legal right to request an investigation into items on my credit report and advised them that it was indeed myself that requested the originally investigation. 
Again, on XX/XX/XXXX I received the EXACT same stall email at XXXX. 

I have sent 2 letters to Experian myself ( NOT from a 3rd party ) and both times they have refused to action a legal requirement that I XXXX XXXX XXXX requesting an investigation into certain items on my credit report. They have stalled and gone over the 30 days that they are supposed to investigate within.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 informationisinaccurate

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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled up my XXXX, XXXX and XXXX credit file to be surprised. There were inquiries from this company that I did not authorize. This company viewed my file in XX/XX/2022 and twice on XX/XX/2022. I never gave them permission to look at it once, much less three times and twice on the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Information belongs to someone else

Complaint:
See letter and report attached with accounts which are not mine

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 2021-12-25
Company: Affirm Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Affirm is double charging interest rates and rolling this unlawful double charge into its finance charges in violation of applicable law ... the purchase price for a XXXX XXXX XXXX  on XXXX was {$340.00}, and with tax ( North Carolina sales taxXXXX 4.75 % = {$16.00} = {$360.00} ) but affirm 's unlawful loan terms require me to pay back a principal balance of {$390.00}... ok it's more than double the interest rate which is even worse and more of a TILA violation ). All I know is I was charged {$370.00} from XXXX for this order and this is the highest balance I should be charged interest on... please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 A VICTIM OF IDENTITY THEFT

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 2020-12-22
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have had mortgages with Citibank since XXXX. When we were moving this year, we once again decided to use them for our mortgage. Everything seemed to be moving along fine. We sent all required paperwork in as soon as it was requested. When it came to closing day, XX/XX/XXXX, we were all packed up with our family, pets and food in a chest freezer for the 3 1/2 hour drive to the lawyers office to sign the papers. When we arrived, they informed us that Citibank had not sent them the closing documents. We called them only to find out that they didn't have the closing documents ready. They informed us that it would be at least 3 business days before we could close because they needed to send us a closing disclosure for us to approve. This put our closing date off until XX/XX/XXXX. When we asked what happened, they never gave us a straight answer. We were only told that they let our loan processor go and we needed to re-submit our paperwork. So here we were, homeless, in the middle of a pandemic with all of our things, pets and food in a moving truck. This put a tremendous financial strain on us as we now needed to pay for a hotel, restaurant food, clothing to get us by, extra moving truck expenses, and spoiled food. Citibank finally sent us the closing disclosure and we closed on XX/XX/XXXX. They apologized for their complete ineptitude and told us that when we would go to close at the lawyer 's office, there would be a credit for us due to all the extra expenses that we incurred. There was no credit included in our close. We brought this to their attention numerous times and were told numerous times that they were working on getting it approved. After months of sending emails to their entire management team, we still have not received any type of reimbursement.

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 2022-06-15
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello, my claim # with NetSpendXXXX My name is XXXX XXXX and I am set on a fixed income with social security I have been using NetSpend which is XXXX XXXX XXXX for my SSI direct deposit and on XX/XX/2022 I received an alert that {$730.00} was taking out of my account from some company called so, I called NetSpend right away, I panic and told NetSpend who took it out and they told me some company called XXXX XXXX at XXXXXXXX XXXX {$730.00} was taking out I did not give no one any authorization to take monies out of my account, I never gave anyone my card # never gave my card information. Netspend told me that they will resend me a new card and put in a dispute this was on XX/XX/2022 they have all the records on my phone calls to them and I called back and found out that they never started the dispute on the XX/XX/2022 I can not believe that they told me this after the person knew that I was panicking and worried about this and told me they will take care of the dispute. Now on XX/XX/2022 is when they again told me that my dispute will start here I go again with trying to get all my {$730.00} back this time they told me to call back on XX/XX/2022 and I told them please help me because I need my medicines and do not have any money for my things that I live with I also, have my bills to pay that are scheduled. I need help for some XXXX to help expedite my claim and get my monies back even when I cried to them that I have no money for gas or food they left me on hold for XXXX minutes and hung up on my and I had to call again and they left me on hold for a long time again this time I asked for a manager because I asked them that they did not take my case on my initial XXXX phone call and make me wait more days and then I called on the XXXX of XX/XX/2022 and they told me they can take ups to 120 days but how when your bank is secured with FDIC and they never explained to me the correct portal call. Why could they not tell me everything when I called them on XXXX XXXX instead they give me the minimum of information like if they are trying to set me up failure??? I need help PLEASE some XXXX call to Netspend and let me know how do I get my money back its going on 25 days. I really can not wait for 120 days. My cell phone number is XXXX and NetSpend is XXXX I need my medicine please. I live on SSI I had to contact someone to help with finding your website. 
XXXX XXXX LAST XXXX OF MY CARD IS 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 2021-04-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX i tranfered XXXX euro 's to my Coinbase account. I got a notification saying i had to pay a XXXX cents with my new XXXX euro balance so i pressed proceed. Since then i can not do anything with my account. I keep getting the notification " Payment Pending, We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' I can't buy any crypto with the XXXX still in my account but i also can't wire the money back to my bankaccount since i keep getting the same 'payment pending ' notification. I send a email to Coinbase on the same day because payments normally go true in an hour or 2. I got a mail back on XXXX saying i had to wait 3-5 business days and if it hadn't by then i had to contact them again. I waited 5 business days and nothing happend so i again send an email to Coinbase on XXXX. I got an email back on the same day saying they where giving my case XXXX # XXXX XXXX to an expert. After waiting till XXXX i emailed them again asking for an update. I didn't get a respons so on XXXX i made a new case XXXX # XXXX XXXX asking if someone could help me cause everyone stopped reacting to my old case. I got no reply so i emailed them again on XXXX again asking for support. Again no reply. So i again made a new case XXXX # XXXX XXXX on XXXX and i got a reply on the same day saying they where again giving my case to a XXXX and it was going to take up to 5 business days. I didn't hear anything so i send another email on XXXXXXXX but i haven't heard anything and my account it still broken. 

As you can see it's been almost 6 weeks with loads of promises but no actions and i still to this day ( XXXX ) can not do anything with my funds ( XXXX ). I really hope you can help me with this case since i live in XXXX XXXX and XXXX has no office here so i really have no other choice. Please help.

Company response to consumer: Closed with monetary relief