BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been baby-sitting Flagstar for 3 consecutive payments and they have not resolved the issue. I set-up payment transfer online to pull funds from two banks, every other Friday. The payment transfer started on XX/XX/2022. I authorized {$860.00} to pull from my XXXX XXXX ( XXXX ) account and {$250.00} from my XXXX Bank ( XXXX XXXX account to complete the bi-weekly payment of {$1100.00}. On XX/XX/2022, Flagstar pulled {$990.00} from XXXX and {$120.00} from XXXX. I contacted Flagstar immediately for an explanation. I spoke with a supervisor named XXXX. During the call, she confirmed the system is showing how I set-up the payment transfer : {$860.00} from XXXX and {$250.00} from XXXX. I asked her if this was system glitch or a human error, but she can not explain what happened. She assured me that this will be corrected. The next payment transfer was scheduled on XX/XX/2022. Flagstar processed the payment on XX/XX/2022, and pulled incorrect amounts again : {$250.00} from XXXX and {$860.00} from XXXX. I called again and requested for XXXX. XXXX had no explanation again and confirmed how it was set-up in the system of records : {$860.00} from XXXX and {$250.00} from XXXX. And again, XXXX assured me that it will pull the correct amounts on XX/XX/2022, as I've authorized them. I have 2 case numbers : # XXXX and # XXXX. I asked XXXX if this was a system issue or a human error. She did not have an answer. On XX/XX/2022, I called because there was no payment transfer showing on my accounts ( XXXX & XXXX ). Customer service stated that it usually days to complete payment processing. I told her, I just wanted to make sure that you will be pulling the correct amounts from my bank accounts, and she confirmed again what is showing in their system : {$860.00} from XXXX and {$250.00} from XXXX. I checked last night, and I can not believe they made a mistake again : {$860.00} from XXXX  and {$250.00} from XXXX. I called today really upset and asked for a manager, not a supervisor. Another lady spoke with me and I think she told me she was a supervisor. I specifically told her to right down how payments were set-up and how it should be done, so she wont ask me again, but she did ask me again. She said that the first transfer on XX/XX/2022 from XXXX was {$990.00} and asked me if XXXX made an error. I got so angry with that question because obviously she was not listening and does not know payment processing. I told her, who initiate the payment as shown in your system, XXXX or Flagstar? She gave me so many alibis making it seem that I am the problem. I told her to fix the problem and disconnected the call. The most annoying part of this problem is that they kept on confirming that their system is showing how I wanted payments to be processed, but the error keeps on going.

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 2019-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We had a front door installed with a charge date of XX/XX/19 in the amount of {$2600.00}. The actual installation took place early in XX/XX/2019. At that time when the installation was completed we responded to Home Depot the door seller and installer that we were unhappy with the installation and that we were filing a dispute with Citi ( the credit card company where we charged the door and installation ) in the amount of {$650.00}. This is the cost of the installation charged by Home Depot.  The door itself was very nice and we had no issue with the door. We were then contacted by Home Depot where we explained that the moulding around the door that we paid for was the wrong size and did not cover their work. In addition, the door threshold looked like a 2x4 ( unsightly ) and was dangerous in that someone could easily trip over it. A Home Depot representative said he would talk to his manager -  nobody ever called back or re-contacted us. I have enclosed pictures of the problems also sent to Citi. I  also sent letters to Citi ( enclosed ). The only response during this whole issue from Home Depot was that we could not dispute the charge because we picked up the merchandise which we then proved was untrue ( documents enclosed - the installer delivered the door on the date of the installation ). Citi then  sent us a letter requesting additional information by XX/XX/2019 which we sent by XX/XX/2019 ( documents enclosed ). After that Citi having received all of this information ( pictures, letters, documentation ) sent a final letter indicating we should go to Home Depot or other means to obtain the credit ( letter enclosed ). In summary, it appears Citi never had any intention of assisting us and it does appear to me that Citi must have some kind of special relationship with Home Depot. It does not appear that Citi takes the dispute process seriously.

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 2022-11-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Applied for a credit card with US Bank in XX/XX/XXXX. Called in to request a credit line reconsideration. I explicitly told the customer service representative that under no circumstances could they initiate another hard inquiry on my XXXX report and the customer service representative told me that since they use the last 30 days inquiry, there would be no 2nd hard inquiry on my XXXX  report ; however, underwriting submitted another hard inquiry on my XXXX  report. Called in several times to get them to investigate. Finally after several phone calls they finally pulled the recorded phone calls and noted that they would remove the 2nd hard inquiry from my XXXX report. To date, no request to XXXX  to remove the hard inquiry has been initiated by US Bank. After several calls to underwriting to inquire about their lack of followup to remove the hard inquiry, they can only see a notation to remove the hard inquiry, but no one seems to know who will submit the request or when that might happen. It's been nearly a month since my initial request to remove the hard inquiry and no request to XXXX has been initiated by US Bank.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( XXXX, Transunion, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for XXXX, Transunion, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, XXXX, and Transunion still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.

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 2019-06-07
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:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather Experien seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has charged me extended overdraft fee's about two times already. The best part is yet to come, during the XX/XX/XXXX holidays Chase thought it would be a great idea to prey on my bank account and manipulate my transaction orders so they can maximize the overdraft fees they decided to charge me. On XX/XX/XXXX one of my accounts was charged with a payment I had set up for $XXXX I went and deposited $XXXX into my other account and did a instant transfer to cover the payment before XXXX XXXX. I than wake up on XX/XX/XXXX to see my account NEGATIVE little over 300.00 transaction's that magically were organized from biggest to small and than my instant transfer look rigid in one of my accounts I had no money in ended up with $XXXX dollars and the one I did the instant transfer to NEGARTIVE $XXXX. Chase is a predator and does so many fraudulent activities to it's customers it's just so sickening to me how there has been a class action law suit before about the same thing and they go and do it again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Simply a lack of communication. I cant get in touch with anyone at Lakeview Loan Servicing. They recently took over my loan. I've called and emailed numerous times to no avail. I've choose the automatic call back option and never received a return call. I have important questions regard my loan and switching insurers. I am now concerned that my house is uninsured because lakeview hasn't got back to me to instruct me how to add the new insurer.

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 2019-06-07
Company: SYNCHRONY FINANCIAL
State: OH
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:
I am on the " do not call registry '' and I have been getting prerecorded messages from random numbers stating I am implicated in a law suit and to call that number. I tried calling one of the numbers back and, no answer. So yesterday XX/XX/XXXX at XXXX I have a message from a XXXX  with " Corporate Legal Support '' at XXXX, stating she was calling for the purposes of sending me legal documents, and I need to call her back right away. I call back and a guy answers telling me the message was in regards to collect a debt from XXXX XXXX and JC Penney, I told him I don't owe XXXX XXXX and he said they were the backers of the JC Penney card, I said well good luck I am on XXXX, I had a bunch of medical problems happen. Then he got nasty and called me names and said I own property and threatened to seize it. I hung up and he called back again and started going on about the property, I told him to stop harassing me and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2016 My information was used fraudulently to open a car loan with my personal information. The thief stole my info and opened this auto loan and I have not given anybody authorization, I dont know how my information was stolen, and I dont know who the thief might be. Please process a block on these accounts its outrageous!

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 2018-10-14
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our first mortgage is privately held. It is recorded properly, all documents on file in the public record. We receive a XXXX, and have proof of all payments. We applied for a home equity loan with XXXX XXXX XXXX XXXX and was denied - " Ineligible first lien financing ''. When I asked what the issue was - I was told that they don't lend behind a private mortgage. I do not believe a lender can discriminate based on who holds our first loan if we can show all of the same documentation that could be found on a bank issued loan. Also - the definition of " private '' loan does not appear in any lending laws I see - what is a bank vs private? The term is vague and I do not think we can be denied if our loan is paid just as a bank issued loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-09
Company: EQUIFAX, 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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