BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of refinancing my home with Cardinal Financial on XX/XX/2021. My wife and I quickly submitted all are required documents and were given the closing date of XX/XX/XXXX. Since then our closing date has been pushed back 8 times. ( Last closing date was supposed to be on XX/XX/XXXX. ) My credit score has been checked 10 times. My wife 's employer has had to confirm her employment numerous times. My employer has received nearly bi weekly calls for three months. I have been on hold with Cardinal Financial customer service no less then four times. ( The wait time is supposedly 10 minutes but I have never spoke to anyone in customer service even after waiting on hold for 30 minutes. ) My loan officer XXXX XXXX does not respond to emails but will occasionally respond to a text message. Her boss XXXX XXXX has not resolved the issue either. Cardinal Financial has hurt my credit score, my wife 's credit score, wasted my time, harassed our employers and have tried their best to unreachable and un responsive. They have set and missed their own deadlines for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score is incorrectly shown.

My social security number and other information was found on the dark.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: MS
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 have violated my Federally Protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 a States I have the right to privacy.

15 USC 1681 C ( a ) ( 5 ) Section States no consumer reporting agency may make any Consumer Report containing any of the following items or information any other adverse items of information other than records of conviction of crimes which antedate the report by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person know one has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX XXXX XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from XXXX about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NV
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX . This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated. They refused to delete this alleged fraudulent account from my file. The date they have for this account shows opened XXXX XXXX, 2010. Having seen this it more than 10 years the alleged account reported. I am aware of FCRA laws regarding this type of 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Chime Bank Debit Card was used XX/XX/XXXX for an Apartment Application Fee & Holding Deposit - {$340.00}. 

The Apartments say Chime took ALL of the money back claiming I didnt have the funds to cover it, but I did of course & the funds cleared right away & have never been refunded to me. 

The bank seems to b a foreign-held XXXX company here is the US & is doing malicious business practices. 
I only get XXXX when I call- they dont like to speak in normal contexts. 
And they continuously sent & send me weird emails saying that they have written updates for my case, but theres absolutely no communication from them at all. Then they say ( in the same email ) that they r closing my dispute because I havent responded to their invisible/fraud communication. 

Well its my XXXX money & now I have no money to eat or buy gas, or pay any other bills for the rest of the month. 
I have a strict diet, so I cant use food pantrys. XXXX XXXX & disgusted more & more at the XXXX politics in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX XXXX XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from XXXX about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.

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 2020-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2022-09-19
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: Investigation took more than 30 days

Complaint:
I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a 30 to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.

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 2022-09-19
Company: Real Time Group, Inc.
State: UT
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:
Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of XXXX yrs to a man who called me from XXXX XXXX XXXX whom explain to me I could rent the home from him stay in the home and have the option to purchase XXXX years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in XXXX XXXX well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}

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 explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}

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 explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2019-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 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 2023-02-13
Company: Affirm Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Obviously a scam, you'll never get your money back once they have it! I opened a savings account only with Affirm on XX/XX/XXXX. I've been trying to close my account since XXXX since interest rates elsewhere are more than 7 times higher. They will not let me transfer the balance in my account out unless it's to the account used to fund their account. Who would keep an outside savings account open after moving the funds to a new account? All attempts are a completerunaround and wear you out tillyou give up. After failing multiple times since XXXX by chat, or phone, filed email complainton XXXX XXXX XXXX responded saying they'd resolve in 3-5 days and " they are forwarding to the appropriate department '' What is that exactly? Hearing nothing for 13 days, I responded to emailonly to have XXXX respond therequest canonly be handled by phone. Most calls require you to enter numerous security codes sent to your phone and shuffle you between departments and personnel until you give up or they drop you. For example, on XX/XX/XXXX, called them entered my relevant phone, address, name, TWO security codes at different points then they hung up on me. Called back, same XXXX eventually got XXXX in the " Account Closure '' department I guess, she was " unable to close the account until the Savings department sent my funds '', enter XXXX in the Savings Dep't. Again verify my name, phone, address, hold 10 minutes, advises " she can't help and must escalate to higher department ''. I asked repeatedly what that " higher department '' was only to be told " customer satisfaction '' and later that she was " looking for a manager '', another 20 minutes on hold. XXXX passes me to XXXX claiming to be a manager who after I explain again, tells me she can't give me my funds, I need to do it myself via their website. I explain AGAIN, how their website won't allow it telling me to call ... after warning me that she will hang up if I raise my voice, no cursing or threats, just loud, back on hold another 24 minutes. She returned to tell me she can't help me and took me on-line where I had to demonstrate that their system won't allow me to withdraw my funds. Again tells me she will " escalate to the proper department '' and when i pressed for timing again heard " 3-5 days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that TransUnion, XXXX and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.

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 2022-03-31
Company: EQUIFAX, 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:
Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation