BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Citi Costco Credit card. On XX/XX/XXXX, I received an email saying XXXX, your Costco Anywhere Visa Card makes it easy and convenient to manage your recurring expenses. 

Plus, you'll earn more cash back rewards when you use your card to pay for expenses like utilities, memberships and/or streaming services. 

This note makes it sound like recurring charges earn more than the base 1 % cash-back. I contacted citi via their online chat service and communicated with XXXX on XXXX XXXX. According to XXXX, these cards to not offer more than 1 % on recurring charges like utilities and subscriptions, which is indicated in the email. 

Citi should send a correction or retraction of the email so people do not use credit cards for utilities or rent payments, because vendors frequently charge fees for the use of credit cards.

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 2019-11-07
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I used the company 's online payment system to schedule my mortgage payment for withdrawal from a linked savings account on XXXX ( due date ). Moments later, I received a payment confirmation complete with a transaction identifier. Checking daily since XXXX, I have been waiting for the account to be drafted. Today ( XXXX ), I called to confirm the payment was processed only to learn that since this was my first payment with the new mortgage collector, I had to submit payment by check or over the phone. Had I not called or checked, this would have been a late payment with fees. The company should not send payment confirmations if they do not intend to draft and I feel this is a way for the company to collect late fees for people who think they have scheduled payments but do not go through. ( Not to mention the impact to their credit scores. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance to the FCRA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )

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 2019-01-09
Company: EQUIFAX, INC.
State: MO
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:
XXXX, Equifax, and XXXX  are reporting incorrect addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a foreclosure on a home XX/XX/XXXX and I walked away from the home. The home was sold XX/XX/XXXX. I purchased a new home XX/XX/XXXX and I have a judgement on my new home that I just purchased. The judgement is from US Bank National Association as Trustee Pooling # XXXX Dist # XXXX. Iwould like to know how can they come back years later and do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TD BANK US HOLDING COMPANY
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX there are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Equifax. By law Equifax is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights to not have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted in XXXX days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. TransUnion, has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the  Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive. In fact TransUnion response has been vague, it does not explain what they investigated, the nature of and results of their investigation, who they talked too or when the investigation took place. In fact, unlike XXXX & XXXX and they have repeatedly failed to prove me of a copy of my credit reports in order to substantiate their findings.

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 2023-05-21
Company: Kikoff Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I attempted to transfer money from my checking account to my Kikoff and noticed that I was logged out. I attempted to login but received an error code that the service connection could not be established. I went to the Kikoff website online to try to log in that way and an error code appeared instead. I have contacted the companies customer service for their card services numerous times and was told that they were escalating a ticket. I have asked for manager after manager to try and get this issue resolved because they do not have a telephone number for their credit repair services you have to rely on an email and the app. I have sent numerous email and received some replys advising me that someone was working on it and they would update me soon. It has been XXXX days since I have been unable to log into the app of a company that has ALL of my personal information. This is a very uncomfortable situation to be in especially when you cant do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my 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 2019-05-06
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Approx. 11 years ago, I purchased a home as a first time home buyer. Shortly thereafter, the value of the property dropped well below what was owed on the mortgage. The mortgage is currently with Mr. Cooper/XXXX  XXXX. I continued to pay the mortgage as per my agreed upon contract. However, approx. 5-6 years ago, there was a hardship and reduced income. At that time, the mortgage was current and remains current to this day but I took advantage of the government HAMP modification program to attempt to make this more affordable with my reduced income. I also worked in other ways to reduce my expenses. At the time, I was advised that if I continued to pay on the mortgage per the modified terms that every year I would receive {$1000.00} principal forgiveness. This forgiveness was never applied to my mortgage balance so I called Mr. Cooper/XXXX  earlier this year to address this. When contacting Mr. Cooper, I was originally told that yes, I should have been receiving this forgiveness every year on the anniversary of the approval if the account remained in good standing, which it has. I was told that the research department would look into why I didn't receive the forgiveness. Eventually, I received a response that stated I did not qualify for forgiveness of principal as my monthly housing expenses did not decline enough with the modification. I had never been presented with this stipulation and it was on no paperwork that I signed. I have requested Mr. Cooper send me documentation to verify this stipulation but they have stopped responding. I feel as though I was a victim of a bait and switch by a large mortgage company that feels they can get away with whatever they want. I feel cheated. I work hard and pay all my bills on time and was offered help only to have the rug pulled out from under me. I don't understand why I was told for years that I would receive principal forgiveness but when it comes due, they won't apply it and won't provide me with any paperwork regarding this. It seems as though they are making it up as they go. I have done everything in my power to pay this debt on time and when I get close to being above water, I am done a disservice by the mortgage company and this greatly impacts my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off 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.

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 2020-11-30
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought out the lease on my vehicle on XX/XX/2020. A lease payment went out the same day, resulting in an overpayment of {$350.00}. I spoke with a rep at KIA finance in XXXX and was told the overpayment would be reimbursed by a certain date. After I pointed out that date had passed and I still hadn't received the payment, no added action was taken on behalf of KIA finance to refund the payment or even contact me to discuss the 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 2021-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Multiple Capital one credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and XXXX. I have a discharged bankruptcy in which Capital one accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}

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 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2020-12-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

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 2018-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Chase debit card was compromised and card and pin were used to purchase a money order at XXXX XXXX XXXX XXXX CA XXXX even though card never left my possession and I have never been to this post office. This occurred on XX/XX/2018 at XXXX pm. I received a email alert from Chase, I contacted Chase right away and they credited funds to my account and about a week later reversed my credit and said I was liable.

Company response to consumer: Closed with monetary relief