BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Better Mortgage, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for two mortgages with Better Mortgage Corporation. When I received the privacy policy, I notified them that I would like to opt-out of selling my information for marketing purposes and any other ways they would share my information. After closing on both loans, I started receiving marketing material from different companies who claimed they got my information from Better Mortgage Corporation. As a result, it appears they started selling my information after I opted out of allowing them to sell my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened an online savings account with Citi. On XX/XX/XXXX, when I attempted to contact Citi to obtain an identification code to be able to access my account, I was told that a code could not be provided for 14 days. It is an unfair, deceptive and abusive practice to permit a person to open a savings account, receive funds from the applicant, but then not permit an applicant to have access to those funds for 14 days. It also seems to constructively be a violation of the Expedited Funds Availability Act. Even though the institution may state that funds are available in the account, if the institution, Citi, has an internal practice that constructively prohibits access to those funds for a time period in excess of the time period permitted by Regulation CC, that would seem to be a violation of law.

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 2020-07-23
Company: EQUIFAX, 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 disputed 2 Fraud Accounts on my Equifax Credit Report on XX/XX/2020. Equifax removed the accounts from my credit, but they RE-APPEARED on XX/XX/2020. XXXX  & XXXX  have removed the accounts from my credit report, and have not reported the accounts back. I continue to have problems ONLY with Equifax, they will not remove the Fraud accounts. I have provided an FTC identity theft report as well. Today, on XX/XX/2020. I spoke with Equifax, and explained them the situation. The representative with Equifax stated this could be an overall system error, and asked me to re-dispute the fraud accounts on my credit report. I have attached a new FTC identity theft report, and a formal dispute to Equifax. I faxed this dispute on XX/XX/2020 to the Equifax dispute fax number. 

I am in process of a mortgage at the moment, and this has caused damages for me, not being able to obtain credit due Equifax 's negligence in the dispute process. 

I am now submitting this dispute for the 3rd time, and hope to get this matter resolved soon. I have attached my new FTC identity theft report, and a dispute letter containing the fraud items. 

The complaint & dispute is being monitored by an FCRA attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Comerica
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi CFPB I would like to remain anonymous and you may republish this if I can remain 100 % anonymous in my complaint direct Express The Direct Express Debit XXXXasterCard is issued by Comerica Bank has stolen thousands of dollars from me maybe four or five they've been stealing from me from the past years now I also have them on tape with XXXX in XXXX saying they were giving me all my money back they lied about that they also told her to hire department of XXXX that they also took {$500.00} for me XXXX said they did no such thing there was never any purchases for {$500.00} nor did I ever use {$500.00} on the card they were talking about to make any purchases direct Express also told me about 2 years ago that someone stole money from me and something about a XXXX come to find out I contact the company XXXX they said that was not true they haven't had the card on file they never had it in their company website or what do you do billing to say someone is using this car for this then the other they have no record on the car they told me to call my financial institution which I did they told me they would give me money back which they put on the card then took it back like the supervisor saying less than five minutes she said we owe you that money I don't know why they took it back to this day over XXXX to XXXX dollars back so they've been stealing money I have numerous recordings proven that they have been stealing money for me even in their own words lying to me supervisors on tape and people also confirming that I never got a sent back I have plenty of recordings on these people all they do is still people money and leave them high and dry I looked on the XXXX  website and see if anyone else is experienced this and other websites have popped up comera bank and direct Express is still in the consumer money please help I do have numerous recordings even the one from XXXX were supervisor even lie and said I was getting my money back even with the people on the phone department XXXX they literally told them they gave all this money back to me and direct Express their own okay we don't have it the multiple people saying no we gave money back a multiple people also confirmed they never took any money off my card I also have direct Express on tape lying about money lying when I will get money told me they were holding money never released it on take telling me all the system is just saying you have one amount but don't believe the system you have more I said I have to go with the system saying because why would the system say I have less if I have more that doesn't make any sense but to make this very very long horrible stressful situation short that's just a little of the breakdown someone please help me thank you so much and have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data contacted me verbally and by letter on XX/XX/2018 concerning apartment rental balance {$5800.00} I informed IQ Data due to my spouse and I being separated I was not responsible for the full amount that's owed. XXXX at XXXX offered me half the debt at {$2900.00} if I paid a {$500.00} down payment. This payment was made but did not receive a letter with change in balance nor updated amount at {$2400.00} to all Credit Bureaus as paying as agreed. When I asked for this agreement in writing I was told that all calls are recorded and that's all he could do at this time. I'm very uncomfortable and would like the balance to reflect to Credit Bureaus and receive a letter by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ). 

For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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:
please remove the fraudlent inquiries and accounts. I sent a letter 2 months ago.

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 2020-07-23
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I just called my mortgage lender, Shellpoint mortgage services, to inquire, NOT SIGN UP for mortgage forebearance. One of my tenants was possibly having trouble paying rent so i merely called to find out what forebearance was all about in case they couldn't pay for an extended period of time and wanted to know just what my options would be at that point whenever that was. I didn't sign anything, or agree to ANYTHING! 
All of a sudden they have me in the forebearance program ( which i have now opted out of ), and put on my credit report " affected by natural disaster. '' This has affected my credit score and now made refinancing my mortgage harder for no reason. 
I have NOT missed any mortgage payments and never signed up for anything. I have already tried to dispute this through the bureus with some luck but still on some of them. I think XXXX  is the only one that has had it taken off. 
They say that i said on a recorded phone call that i was " affected. '' Never did i say this. 
I would really love this taken off, i have NEVER MISSED A PAYMENT! what's the point of this? They said forebearance wouldn't affect credit anyway. Liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act XXXX 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 2023-03-29
Company: EQUIFAX, 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 constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, someone attempted to open a XXXX  XXXX credit card in my name. 
This appeared on my credit report on all 3 agencies. 
XXXX  XXXX did call to verify and I was not compromised. 
The action appeared on my credit report so this person has access to my social security number, name, address, and personal information. 
The address used was XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX and the phone number was XXXX XXXX. 
I have no knowledge of anyone or anything in North Carolina and have disputed this attempt to steal my identify. 
I did phone NC police and received Police Report # XXXX from their office. 
I am reporting this attempt to open a credit card in my name, which resulted in inquiries on my credit report which are inaccurate so that I can document my personal information is being compromised.

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 2020-07-23
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was solicited by equitable acceptance inabout 2017 to let them assist me in putting my federal student loans into a deferment plan. Which they did and I have been paying them $ XXXX  month to pay off the total amount charged for the service. Today i received a letter from the US department of Education that states since I am a XXXX veteran I qualify for a XXXX XXXX XXXXXXXX XXXX discharge of my federal student loans. Upon calling the US dept of education and explaining to them the specifics about the current student loan consolidation program that i am currently in, the US Department of Education suggested that I file a complaint with you to determine if my equitable acceptance can even legally charge me when the actual filing of the paperwork is free. The company that I pay the $ XXXX  monthly to is Equatable Acceptance. Can you please look into this for me? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: DigniFi
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a loan with Dignifi Financial back XX/XX/XXXX, the loan was due with the final payment on XX/XX/XXXX. However, I have paid all of the loan with the exception of {$75.00}. This {$75.00} represent NSF fees. However, it was not my fault. Unfortunately, I was trying to make the payment with a different payment method, other than the default method but it automatically diverts back to the payment method that I did not choose. I have asked Dignifi to waive these fees. However, they have refused to do so. I don't think that it is fair, when their system is the problem. Again, this loan was not due to be completed until XX/XX/XXXX. I paid it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
These items do not belong to me and I am asking that they are removed 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 2023-03-29
Company: EQUIFAX, 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: Information belongs to someone else

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. 


XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 explanation
Consumer complaint received 2019-02-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
>XX/XX/2019 opened CD online with {$12000.00} for 9 mo term ( 2.1 APY ). I was not given a chance to print or to download disclosure but I received it by mail later AFTER I had asked for it. 
>XX/XX/2019 Saturday closed it US Bank charged 6 mo interest penalty plus {$25.00} for early withdrawal penalty fee {$120.00} + {$25.00} = {$140.00} It gave me credit for the accrued interest {$18.00}.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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 Reporting act XXXX Account, 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 2022-10-05
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Placed order with XXXX on the date of XX/XX/XXXX for # 2 XXXX XXXX XXXX XXXX XXXX extra large capacity red blue the cartridges {$300.00} were to be delivered next day overnight and they were delivered to the wrong apartment complex next door from XXXX XXXX XXXX XXXX delivered to the wrong mail room at XXXX XXXX XXXX XXXX contact by that of representative with XXXX at XXXX. stating she was leaving package in hallway I informed her she could not do that she left package in the wrong mail room next day packages were picked up By that of XXXX confirmed on video cameras including a second pack of latte coffee cans6pk. Contacted citi Bank filled dispute same day of missed delivery XX/XX/XXXX sent dispute emails receipts documents via email to : XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX citi bank to date has refused to apply the required provisional credit for said dispute as required by federal fair credit billing reporting act, Reg E. FEDERAL ELECTRONIC FUNDING TRANSFERED ACTS AND MAIL ORDER 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 monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Student loans should have been dismissed in my bankruptcy.

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