BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had my id and ss stolen and i called the police first then i called the credit company 's Equifax XXXX and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well XXXX said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called Equifax they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
I, XXXX XXXX, am a natural person, and American citizen. Experian continues to violate my federally protected consumer rights. I am sick and tired of their blatant disregard for the law. Do you need to start the motion for a CLASS ACTION LAW SUIT?? Because I am certain they violated the privacy & confidentiality rights to millions of others. I sent them a letter on XX/XX/22 explaining to them that they were deliberately violating my federally protected right to privacy AND confidentiality under 15 USC 1681. They responded with a generic letter completely ignoring their violations, stating " verified ''. I never asked for anything to be verified! I already know they can't verify these accounts, I was letting them know that are in direct violation of the FCRA. I feel like I am being taken advantage of and my rights are being ignored! THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE! Delete these accounts immediately! I will attach the letter I sent, the tracking number, and their completely unethical response in a pathetic attempt that I will go away. I will NOT!

1. Account Name : XXXX XXXX  Account Number : 9793**** 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an 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 2022-08-15
Company: Shellpoint Partners, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/15 I called my mortgage company to inquire about to steps I need to take to remove the PMI. The associate XXXX XXXX, XXXX # XXXX stated that he can help me with that and started gathering income and assets info from me and my wife. XXXX put me on hold to see what options he may be able to offer me. When he got back on the phone I asked him why he is gathering all that info just to remove PMI. He inform me that he was refinancing my mortgage. I informed XXXX that I was not trying to refinance my mortgage and that I specifically ask him about the PMI and that was all. Short after I ended the call with him I received an alert of a hard inquiry on my credit and my wife also had a hard inquiry. XXXX never talk to my wife and he never got an authorization to run her credit and refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I obtained my TransUnion credit report on XX/XX/XXXX and there was Chapter XXXX Bankruptcy listed in the public records on my credit report. This unverifiable information was Deleted from my TransUnion report back on XX/XX/XXXX ( please see attachments ). Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information 100 % with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters ( please see attachments from courts ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report TransUnion has also confirmed with me in addition to the courts that they use XXXX to confirm Public Records. 
My inquiry into the third party source ( XXXX XXXX  ) Data on XX/XX/XXXX and again on XX/XX/XXXX confirmed there are no bankruptcies filed under my name or social number ( please see attachments ). XXXX initiated a dispute with Transunion on my behalf on XX/XX/XXXX requesting for the Chapter XXXX bankruptcy to be deleted from my TransUnion file. As of XX/XX/XXXX XXXX TransUnion has fail to reply back to XXXX request to delete Unverified Bankruptcy information listed on 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 2020-11-05
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to file a complaint against Cross Country Mortgage, which is denying my right to have specific reasons in writing why my mortgage application was rejected, including the information that the underwriter did not consider my second source of income, which made me ineligible for the amount that I applied for it. 
Cross Country Mortgage asked the sellers for an extension date on my current Purchasing Contract until XX/XX/2020. However, the mortgage company did not have my file ready on that day. 
The same office requested me to pay off {$7800.00} in debts on XX/XX/2020, only five ( 5 ) days before the closing date as a condition to be approved. However, when I informed Mr. XXXX XXXX that I did not have the resources to pay that debt, he informed me that there was no anything else to do regarding my case. I sent an email requesting to Cross Country Mortgage the document stating that my loan would not be approved because the underwriter did not consider my second source of income, which directly affected my debt-to-income ratio. 
In response to an email sent to Cross Country Mortgage on XX/XX/XXXX requesting my document Mr. XXXX XXXX, Non- Originating Branch Manager responded that the company " is in the business to close loans not deny them ''. 

I believe that any company is in the business to approve deals and have profit, however in this case if my application can not be approved it is my right to have a letter stating the reasons. 
According to the information received from the Mortgage Lender the reason was that the underwriter did not accept my second income, and that should be included in the " Denial Letter ''. 
I was extremely diligent working with this company proving documents, pay stubs, letters, replying to emails, and doing everything to meet the contract dispositions and the deadline. As a consumer, I can not be penalized for losing my escrow money, since my Purchasing Contract is contingent on the approval of this loan. 
On XX/XX/XXXX Cross Country Mortgage documents such as all my assets to close " the deal '' and proof that I paid the debits they requested. They knew I would make a complaint to the appropriate agencies, so they are trying to " cover-up '' things that have been done wrong. Seems to me that they did not read all my emails saying that I don't have the resources to pay those debts in full right now, which again was a complete change made by Cross Country Mortgage on its criteria since they pre-approved me. 
I am under the impression that this company is not acting in a good faith doing business and this is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed for no reason by Chime bank. Allegedly my Account does not comply with internal policies and/or the member agreement. I ask for details, yet i am denied any further explanation. 
They closed my checking, savings and credit builder cards on XX/XX/2021 at XXXX. All my funds have been kept by Chime bank. I am struggling to get my life back together after pending divorce, child custody, eviction and covid. Now this, This is not right, they took all the money I had. Chime bank is a fraud, they prey on citizens just trying to make it through the day without banks like Chime robbing them blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 a settlement agreement with Citibank re : XXXX Credit Card was settled in the amount of {$3000.00} and payment was remitted. 

Citibank accepted this settlement payment and then sold entire debt to XXXX XXXX in XXXX. 

As of today, Citibank states that they have sold the account to XXXX XXXX and will not provide proof of settlement payment in full letter as requested. Per Citibank they have no records because account has been sold and has informed me that I must speak to XXXX XXXX. 

On XX/XX/2019 at XXXX am, Citibank was faxed proof of payment in addition to settlement agreement letter. As of XX/XX/2019 Citibank states that they do not have proof of receiving this fax and they have no proof of me starting a dispute with them. 

I am receiving letters and today I received a phone call from XXXX with XXXX XXXX stating if I didn't work out the payment they would be sending this to a lawyer for arbitration thus threatening me to remit payment. I repeatedly informed her that I would not be making additional payments on an account that I settled.

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries.Sent Transunion a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX received by TransUnion on XX/XX/2019 at XXXX XXXX. I included 10 Unauthorized Inquiries, I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that TransUnion DELETE these Unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete!. TransUnion gave NO EVIDENCE of any authorization, nor any permissible purpose given by me .Strangely enough Experian removed ALL Unauthorized inquiries! they are both governed by the Fair Credit Reporting Act!

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 2019-03-14
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I have requested my annual free credit report from Equifax once a year for the past 6 years. I have never received one. I have contacted Equifax via phone and email many times. I have still not received my free report. 

I have used the on-line service to get my report several times. After each time I have had to pay for the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA

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 2019-03-14
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my XXXX 's credit on time. One month later i received a bill with finance charge and late fee. I contacted the comenity bank and told then my account is paid off, they told me apparently i was 5 minutes late in payment and XXXX 's who filed for bankruptcy refused to reverse or remove any late fee. XXXX 's was collecting money on late fees even when the account was paid off. Its been 1.5 years, they have been slamming me with late fees and finance charges. I contacted all the credit bureaus, they did absolutely nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today I received a call from XXXX ( XXXX XXXX XXXX. They claim to be a debt collector called XXXX  XXXX. They knew my name and last four of ssn and claimed to have an account stating I owe around {$600.00} to XXXX. When pressed for more info about their company ( why when I XXXX your company name and number does it not come up as anything? ) I was told let me put you on hold and ask how I answer that without getting in trouble. Ive called Walmart and they said I do not have an account with them but one that was opened in XXXX and closed in XXXX did exist. I disputed this as fraud. Well I verbally said so but they took no action to help me. In the past ten years I have worked hard to clear all my debts in collections and 6-7 years ago when I was paying them all off I NEVER saw one for Walmart in my credit report. Its not there today either. Its says I have XXXX in collections. I have no knowledge ever of a Walmart card being opened in my name. Im afraid this may be fraud and I dont know what to do. Whether or not this debt is legitimate is tbd. I believe its fraud but this number seems fishy. It seems like a scam. They dont even say the company name when they answer the phone. You have to ask for it. They also called my brother and dad for sure and who knows who else

Company response to consumer: Closed with explanation