BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
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: 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: CBC Mortgage Agency
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I first notified CBC Mortgage/Chenoa Fund of difficulties I was experience with a lender that the approved to use their Chenoa Fund XXXX XXXX XXXX mortgage and asked for assistance. 

The company ignored this email. 

On XX/XX/2021, I sent a follow up email, advising CBC Mortgage of my situation and of the complaints that had since been filed with the CFPB and AZ Dept of Insurance and Financial Institutions, where the primary lender/loan officer is located. 

I sent a third request to XXXX Mortgage on XX/XX/2021, with even more information and additional supporting documentation of the serious issue at hand with the original mortgage. 

I have since then called and spoken with XXXX XXXX, who advised that the company denied my request to have them remain in the subordinate 2nd lien position while I refinance my loan, as suggested by AZ Dept of Insurance and Financial Institutions to rectify the issues surrounding the original mortgage settlement. XXXX has not provided any additional information as to why my request was denied, even though I both called and emailed requesting for a specific reason that my request is not inline with their own policy, as it appears to be the exact situation their policy covers. 

I believe that I am well within compliance for the policy to receive an exception from CBC Mortgage to have them remain in the subordinate 2nd lien position as I refinance as it has been discovered discovered that the original loan has a loan defect, and according to their own policy, CBC Mortgage would subordinate to this refinance, as a cure to the defects in the original loan. 

The defects and neglience of the original lender/loan officer has been documented and reviewed by AZ Dept of Insurance and Financial Institutions and the original lender themselves ( XXXX XXXX  ), agree that there were defects in the handling of the original mortgage loan and settlement. The original lender, has so far corrected some of the defects, and covered expenses to do so and we are hoping they will continue to do more to correct the remaining issues.

CBC Mortgage/Chenoa Fund seems to not hold themselves accountable to their own policies and I am asking another government entity to review and intervene.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). 
XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. 
XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/XXXX I made a money transfer of {$75.00} to a friend via Venmo through my bank. On XX/XX/XXXX I got an email telling me there was an error and that my bank didn't process it. I checked my bank statement and contacted my bank and it shows- {$60.00} was taken out to process the payment via Venmo. I should only owe {$15.00} on my Venmo balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : My Identity Theft Protection service alerted me to fraudulent activity on my account. I was told to contact XXXX XXXX XXXX XXXX. Discovered that my identity was fraudulently used to set up an account to purchase 3 devices and 4 lines of service. The charges amounted to {$2500.00}. Account # XXXX. 

XX/XX/XXXX : I completed and submitted an Affidavit of Fraud to XXXX XXXX XXXX XXXX via email, Reference # XXXX. 

XX/XX/XXXX : Received email from XXXX XXXX XXXX XXXX that my claim was investigated and determined that I was NOT responsible for any charges to that account. XXXX stated that they would submit request to the 3 major credit reporting agencies to remove me from any reporting on the account. Copy of the XXXX letter is attached. 

XX/XX/XXXX : Received Alert Notices from my Identity Theft Protection Service with negative activity on my report. I called my XXXX XXXX XXXX, and discovered that there now is a debt collection agency ( Jefferson Capital System ) attempting to collect on the fraudulent XXXX account balance of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-08-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2023 I started to pay my income driven student loans that I have been in for years. I have to now pay for my loans under this plan. I'm very concerned because my payment plan states that my payments should be {$220.00}. However when I went to pay my first payment my balance to pay stated {$510.00}. In fear that my payment would be late I paid the amount that website stated I had to pay. I called the company to complain why I have to pay, I were told it were optional. I told them I could not pay anything less and were told I had late fees. I told them my payments has always been deferred or in forbearance until I applied for the income driven loan payments. I were told I had over {$8000.00} extra I had to pay because of these late payments. I still were questioning everything regarding the fees and even told them that I were going to make a complaint and I were sent a letter to sign to waive {$250.00} late fee off my account. XX/XX/2023 I had {$1.00} and change payment due because they applied the extra I paid the month prior to XXXX bill and I were to pay the difference. I paid {$53.00} once again the website would not let me pay the balanced owed. I were told that I still have late fees. I called again because I were going to schedule my payment that is due for XX/XX/2023. There is a {$50.00} balance that I were told is late fees again that I paid last month still showing. I were told that they would waive the {$50.00} late fees off my account again I began to ask why is that still there and the website made me pay last month. They are defrauding their borrowers that put the late fees and when you pay the extra your not receiving any credit for paying those fees and making you pay more than what you are expected to pay. I want to know why I have to pay over {$8000.00} for late fees and my loans has all tis compound interest keep charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}

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 2022-05-20
Company: Halsted Financial Services, LLC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Report provided to employer without your written authorization

Complaint:
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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: HI
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:
credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: AL
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX in the attached picture, I clicked on an ad which offered free samples of sunscreen. I was charged the shipping amounts below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$6.00} I made no further purchases with the seller. I left for a trip on XX/XX/XXXX to XXXX XXXX and returned XX/XX/XXXX ( which I can provide flight information for ). I returned to find two additional unauthorized purchases for large amounts on my card, one apparently made on the day I was on my flight. The fraudulent seller kept my card information. I received no product or service. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$120.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$110.00} It has been nearly three months and I have not received a resolution. This is the first fraudulent incident I have reported to Citibank. Despite their written guarantee of protecting credit card holders against unauthorized purchases ( which states " Youre protected against unauthorized charges on your consumer credit card account. At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ) ), they have withdrawn the credit to my account and I have spoken to a customer service representative who stated the act of providing my credit card information for the samples on XX/XX/XXXX meant that this fell under the 'scam ' and therefore not 'fraud ' category, despite the purchases being unauthorized. 

Additionally, I received a new ( different ) Citi card just five days ago and activated it. I had only made a single purchase before I found a new fraudulent charge posted today on this card : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} The Citibank representative told me that they had previously not provided the service that prevented ongoing charges from my old canceled card from rolling over to my new one! They suspected that a seller who had held on to my old card information now had made a new fraudulent purchase that simply rolled over, completely negating any point in canceling and obtaining a new card. This is absolutely unheard of to me and I can not imagine how an 'ongoing charge ' was established, for an 'XXXX ' no less, if the description is to be believed. They finally told me my next new card would have this service ( preventing rollovers ) and would credit this amount back to me. The admittance of this fraudulent activity and the denial of the previous one is completely contradictory. 

In any case, I have never encountered a bank with such a large loophole that sets the customer up to be so easily taken advantage of, and one which so clearly does not stand behind their own guarantee.

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 2023-07-10
Company: EQUIFAX, INC.
State: CO
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:
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IL
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:
Just recently I sent you a letter to reinvestigate the inaccurate and incorrect items from my file, but your reinvestigation doesn't resolve my concern.

Company response to consumer: Closed with explanation