BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had a credit card with Citizens Bank for approximately XXXX XXXX XXXX XXXX XXXX. I was initially granted a credit line of {$9700.00}. 
A few months ago I was about two days late to a payment. Totally my mistake. I was very busy, lost track of the days, and made a payment the moment I realized my error. 
Citizens retaliated by cutting my credit limit down to {$4600.00}, with no warning and no explanation for weeks following the decision. 
Fast forward a few months to yesterday. They sent me an email stating that my credit limit had been restored to {$9700.00}. I was greatly relieved as the limit cut had hurt my credit score. 
I called today to inquire as to when the increase would take effect. I was told there was no increase and that the email must have been a scam. I work in tech and am trained to recognize scam emails, and I assured the agent that this email was from Citizens Bank. It wasnt until I requested a supervisor that they CONFIRMED that this email was sent by Citizens in error and had been sent to multiple customers. They offered a lukewarm apology and no recourse at this time. I am disgusted and strongly considering moving my finances to another bank that has more respect for their customers, and is more careful with their communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: NEW YORK COMMUNITY BANCORP INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Flagstar Bank sent me an escrow analysis which indicated a negative balance of {$1100.00} and an overall shortage of {$3800.00}. The shortage was due to my mortgage transferring to Flagstar in which they failed to verify if my homeowners insurance had already been paid by the prior servicer. In that time, Flagstar received a bill from my insurance provider and they paid the amount, effectively double paying the premium in XX/XX/XXXX in the amount of {$3400.00}. As such, we were now expected to have our mortgage payment increase by {$320.00} monthly effective XX/XX/XXXX to cure the shortage created by Flagstars errors in boarding and escrow management.

I contacted Flagstar to resolve the matter and they said I needed to resolve it with the insurance provider. I asked for a complaint to be noted and stated Id file one with the CFPB. I did not receive the required complaint notifications as required under RESPA. Further, the agents on the phone were unaware of who the CFPB was, which puts into question the qualifications of the companys staff to properly service escrow accounts in accordance with their regulatory obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$40000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

At the time I was living at : XXXX VIA XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job at XXXX XXXX XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. 

I will include my account number with XXXX  XXXX on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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 contacted the company and sent over copies of the FTC identity theft report, the police report that was opened, a copy of my credit report with the items that were fraudulently reported highlighted. When submitted they immediately ( within 24 hours ) closed the items and did not remove stating that they were valid -- although it is clear that no investigation had occurred. Their website is designed such that it will not allow the user to submit documents such as police reports ( it conveniently times out when this option is selected ). I sent the documents in via registered mail, and they stated that the investigation still had not found anything wrong and that I needed to send in a police report, ftc report, etc ( the items which I had already sent in ). I called their customer service line and it was picked up by a help center in XXXX, and the representative indicated that the items received were not in the proper format -- but was unable to indicate what the correct format would be. These same documents were accepted by other credit reporting institutions and financial institutions as being substantially adequate to find in my favor in investigating the identity theft that I have been victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
AMERICAN EXPRESS - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: AL
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 sent out a dispute letter to XXXX XXXX XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from XXXX XXXX XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

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 2021-09-19
Company: EQUIFAX, INC.
State: MD
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:
I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: MD
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:
I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX acquired my student loans from XXXX  XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Sir/Ma'am I am writing in response to your company placing MULTIPLE DEBTS ( 15-USC-1692H ) AND DUPLICATE medical collections on EACH of my Consumer Reports. 
As part of my validation request under ( 15-usc-1692g ) XXXX I am requesting your company provide me with the PURCHASE AGREEMENT to ensure the accuracy of the records. 
Please provide me with the original bills from each account you have listed on each of my Consumer Reports. Please provide a breakdown of these medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you. 
Provide me with your company license/bond to collect debt in my state. Please provide an affidavit signed under Penalty of Perjury that your agency has not violated any portion of the FCRA, FDCPA, HIPPA, and PHI. PLEASE CEASE ALL CONSUMER REPORTING UNTIL THE DEBT HAS BEEN VALIDATE BY ( ( ME ) ). 
Please accept this as my formal debt validation request, I am allowed under FDCPA. Withholding any information you received from any provider in an attempt to be HIPPA compliant is a violation and considered deceiving me after my request. I request full documentation of all information you received from the provider of service in connection with this alleged debt. 
Please do not contact me by phone at home or work. Continued reporting of this alleged debt prior to me validating is a violation which can allow me to seek even more damages. If your company fails to respond please remove all references to this account and alleged debt from my Consumer Reports and your company records.Thanks for your immediate attention. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX acquired my student loans from XXXX  XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Georgia XXXX XXXX Account # XXXX & XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-22
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2023 I used my American Express Serve card at an ATM but the transaction was denied. I contacted customer service and explained my problem. They told that they had reordered a replacement card for me and my account is now inactive. My social security and pension checks are directly deposited there and I have no way to get to my cash or pay a bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
Company: U.S. BANCORP
State: FL
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:
Someone tried to get a credit card in my name that i didnt apply for and is showing up in my hard inquiries. US Bancorp on XX/XX/2021. Also another one from XXXX XXXX XXXX in 2021.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: IN
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 have been disputing accounts on my credit report for over 90 days and XXXX, Experian and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.

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 2022-05-30
Company: EQUIFAX, INC.
State: IN
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 have been disputing accounts on my credit report for over 90 days and XXXX, XXXX and Equifax have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Carvana Group, LLC
State: TX
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:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXX XXXX  acct XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is in regards to my previous complaint XXXX for which i was not provided a fair resolution. 
The greatest concern from me is the last statement I received from Synchrony was on XX/XX/2020 and my promotion ended by XXXX of this year after which they started charging interest every month. After my complaint, I received a statement this month. So for the entire period when Synchrony charged me interest I did not receive any statement from them. From the beginning of this year I have been charged more than {$900.00} in interest. I received an email from Synchrony after this complaint to which I replied and called multiple times but no response. Since I had setup automatic payment, they kept debiting my account without any notification. I can provide evidence that I did not receive the statement for the entire period for which I have been charged interest. How could I possibly know of any interest that is being charged to my account without any statement that is being sent to me. I would expect the entire interest amount to be refunded which is the apt and fair resolution in this matter.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXXXXXX XXXX acct XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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