BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan with this mortgage company and was preapproved. My application was submitted in XX/XX/XXXX. I completed documents through XXXX online. I provided all the documents requested in a timely manner. I paid {$520.00} for an appraisal out of pocket. So fast forward to XX/XX/XXXX. During this whole time I was advised that the delay was due to not having enough underwriters and issues with COVID. I asked the processor if there were any issues with my application and she stated that as long as nothing changes I should be good to go. She calls me and says that a termite inspection is required and that is holding up the approval. I pay {$250.00} to get the termite inspection done. A week later I receive a call from the processor and she leaves a message to call her. I call her and email her and never get a response. I look online and see a decline on the loan. I email and finally speak to the Loan Officer on the phone. I ask him why my loan was declined. His response to me was that he pulled my credit again and my credit scores have dropped making me ineligible for the loan. I call the credit agency this company uses to find out what my scores are currently. I uncover that he had lied and my credit was never pulled again. The credit score he stated was the exact same scores on my credit when he pulled it in XX/XX/XXXX. When I received the decline letter it stated the application was incomplete, which is a lie. My score had never changed and this Loan Officer had accepted an application and processed it knowing that based on my credit score ( at the time of application ) would never have a chance of approval. This application should have never been processed ... period. I contacted the Loan Officer and sent him an email demanding they refund me the expenses I incurred for no reason. My application never had a chance of approval and I felt like that was wrong on their part. Had they just decline the application as they should have I would not have incurred the expenses and felt they are liable. They sent me a check for {$520.00} but not for the {$250.00}. I sent two emails advising them I would like to be reimbursed for the {$250.00} as well. They did not respond. I am going to file a complaint with XXXX as well. If it happened to me Im wondering how many other people this may be happening to. Had I not investigated this I would have just accepted the result. I knew my credit had not changed because I was monitoring it. This Loan Officer should be held accountable for his actions. His files should be investigated to ensure hes not running numbers in order to hit his quotas. This was a major issue with a financial institution a few years ago.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been incarcerated for the last 8 years. A lot of this stuff on the credit reports are all identity theft. I can not seem to get a credit card now that iM free & living a normal life. I feel I have been targeted & a lot of fraud under my name. Thank 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 explanation
Consumer complaint received 2023-06-04
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My SS XXXX is deposited in my government issued XXXX acct on the XXXX of each month. I went to the ATM on the XXXX of XXXX to withdraw my rent & discovered a charge of {$120.00} that I never made had made me short to pay my rent! I called US Direct Express to report the unauthorized charge & in the time it took to get them on the phone another charge of {$120.00} was also charged to my card. The bank told be the merchant who charged then was " XXXX XXXX XXXX XXXX  '' at XXXX. I called the number and it was not a company & there is no such business listed anywhere on the internet! The bank told me I had to wait 3-4 days until the theft was complete & the thieves had been paid my money to file a dispute on the charges. This is so wrong! The bank is trusted with my government benefits & this is the only income I have since my XXXX diagnosis last summer & {$250.00} really truly hurts me & my family. It has made it so I am unable to pay my rent! XXXX & homeless because my benefits are being stolen & the bank is allowing it to happen. This banks consumer dispute process is non existent & doubt they approve any at all as they just claim they never received any paperwork back from the consumer & close the file. This needs to change! If a consumer notifies the bank of a blatant fraudulent charge/outright theft occurring & the bank processes the charges anyway then they should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2021-03-03
Company: Klarna AB
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 at approximately XXXX XXXX Klarna opened a revolving line of credit in my name fraudulently without permission. Klarna has taken it upon itself to open a revolving line of credit with information provided without my permission la XXXX XXXX. They have used predatory lending tactics to open up this account by masking the revolving line of credit to look like a one time loan application. I was under the impression after reading all disclosers that Klarna was offering a onetime small loan for products on XXXX. Klarna instead opened a revolving line of credit without permission. 

Upon calling the Klarna and requesting the account be immediately closed the company proceeded to give me the runaround. The third party company that Klarna has in place to answer the phone and provide customer service is completely useless. I had to call the merchant XXXX to be the intermediate between me and Klarna to even attempt to have the account closed. 

Klarna seems to be operating with impunity and hiding behind poor customer service. Klarna also seems to be praying on minorities with these predatory practices. I have contacted the credit reporting agencies in an effort to have the hard inquiry removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX, I tried to activate new AA Citibank Mastercard. Very difficult because citi has used my ex work number ( XXXX ) as my primary number. I can not set up account or do anything because the system wants to send verification to that number. It is not the mobile number that was used for verification. I called, did online chat w XXXX, sent messages through XXXX XXXX. No one will resolve the issue. XXXX Had conference call and told 24-48 hour resonse time. A letter from them has me call for security verification, but I can not get help. It seemed just a regular phone line for credit cards. I have explained this mistake of theirs multiple times. I have wasted hours and gotten very upset. Citi has been unresponsive and impossible. Screenshots of some emails 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Consumer name : XXXX XXXX ( spouse ). Re : Old Navy credit card account, account ( card ) number XXXX XXXX XXXX XXXXXXXX, Expiration date XXXX. Payment of {$2700.00} was sent to Old Navy on behalf of Consumer by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check number was XXXX, XXXX XXXX ID is XXXX XXXX XXXX, XXXX Account Number is XXXX. Payment was received, processed, and endorsed by XXXX XXXX for Barclays on XX/XX/XXXX, but has NOT been posted to the credit card account as of XX/XX/XXXX. Consumer contacted Old Navy " customer service '' twice, once each on XX/XX/XXXX and XX/XX/XXXX. Customer service for Old Navy is located at an " offshore '' location ; their personnel were unable to verify that the payment had been received by Old Navy 's bank ( s ). Consumer offered to fax evidence ( copy of endorsement ) to them, but they declined, stating that they would not be able to physically receive it. Endorsement reads : " XXXX XXXX Bank XXXX XXXX at XXXX XXXX Bank XXXX XXXX XXXX XXXX BARCLAYS XXXX ''. It was dated " XX/XX/XXXX '', with " sequence '' number " XXXX '', back to 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 2023-06-04
Company: Experian Information Solutions Inc.
State: NJ
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 reached out to XXXX, Experian and XXXX asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.

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 2020-07-27
Company: EQUIFAX, INC.
State: CT
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:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-11-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
I applied for a credit card online with Dicks Sporting Goods which Synchrony Bank issues. I received today, a denial from Synchrony Bank stating that the request was denied for the following reason ( s ) : Unsatisfactory payment history with Synchrony Bank. I currently have numerous cards with Synchrony Bank and show ZERO delinquent payments. I called Synchrony 's customer service and spoke with five different representatives that can not find what generated this letter. After being transferred to 5 different customer service representatives in which each was unable to help me, I have decided to fill out this complaint form with your organization to help me find out any problems with my account that generated this denial letter.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Find the attached documents. I want the bureau to start an investigation into these accounts, as they are reporting me as late despite my timely payments.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief