BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a letter from Macy 's ( I have an American Express credit card with them ) dated XX/XX/2020 notifying me that I could make privacy choices in three areas to limit the sharing of my information. I called the number they provided. There is an automated menu that they say will " prompt you through your choice ( s ) '' A chart showed that I could limit three types of sharing. 

I found that the automated menu only offered me one of the three kinds of sharing to limit. Once I chose that, I was offered other menus for other kinds of actions, but no more limit sharing. I hung up, called the number again. This time the automated voice told me I had already limited one particular type of sharing, and did I want to limit a second type of sharing. I pressed the number for that, and again, I was not offered any other choices that would lead me to the third kind of sharing. 

I hung up and called a third time -- was not given any choices at all, and so I opted for a live operator. He said he would be able to change my third type of sharing, then told me that I had already opted out of the three types. 

Ideally, I'd prefer this be an " opt in '' method, so the consumer doesn't have to opt out. 
But if that can not be, then I feel that the way this " opt out '' phone menu is designed is deceptive to the consumer, who may go through the first step and think they have opted out of all three types of sharing. There is no reason a consumer should have to call three times to accomplish this, in my opinion.

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 2019-03-08
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX  - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: GA
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

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 2019-06-03
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: Information belongs to someone else

Complaint:
The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 )  XXXX {$670.00} 2 ) XXXX {$820.00} 3 ) XXXX XXXX {$120.00}

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 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
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 spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried freecreditreport.com, neither Experian, XXXX, nor XXXX were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.

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 2021-02-24
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Account information below : Account number : XXXX. 
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. 
Misrepresentation of facts. 
Failure to mark account as disputed. 
Bill was contested and disputed which he did not incur, there was no contractual basis for debt. 
Negligence. 
Unfair business practices. 

Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. 

Please send the attached documentation to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ATTEMPTED TO OBTAIN FORBEARANCE/DEFERRAL OF MORTGAGE PAYMENTS UNDER THE CARER ACT. COMPANY FAILED TO REPLY TO 15 EMAILS AND 4 REGISTERED LETTERS TO LOSS MITIGATION DEPARTMENT ... NO REPLY TO PHONE CALLS WITH VOICE MAIL MESSAGES IN CONNECTION WITH MY ISSUE! 
LETTER FROM COMPANY DATED XX/XX/2020 OFFERED FORBEARANCE FOR XXXX, XXXX AND XXXX, BUT I HAD ALREADY PAID MORTGAGE FOR 2 OF THOSE MONTHS .... CALLS TO MORTGAGE COMPANY PRODUCED OFFERS TO CANCEL FORBEARANCE, AT ONCE ... MORTGAGE SERVICE COMPANY DOES NOT REPLY TO EMAILS, LETTERS OR PHONE CALLS WITH THE PURPOSE OF TRIGGERING THE CANCELLATION OF THE OFFER OF FORBEARANCE. MORTGAGE COMPANY IS SHELLPOINT MORTGAGE SERVICING BASED AT XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ... PLEASE INVESTIGATE THE CARES ACT OPERATIONS OF THIS COMPANY ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a EIDL loan from the sba 10 days ago in the amount of {$140000.00}. It was deposited into my personal account as I am a XXXX XXXX and am in the process of creating a XXXX  and obtaining a tax   identification number. 

All of the funds in my Navy Federal Credit Union account are being held by the security department and my account is under review. 

When I spoke to the security department all they told me was that a investigator is reviewing my account. 

Gave me no time line for a resolution, wouldn't take any documents I offered and wouldn't transfer me to a supervisor when asked. 

I was approved by the SBA using my ssn number and have no idea why the bank can arbitrarily freeze my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance keeps lowing me credit score by reporting a closed account as open. Its for a vehicle i dont even have anymore. I have not made a payment since 2017. I dont have this vehicle anymore. They keep reporting this account in my revolving accounts. I am over 1000 days late. They report im on 120 days late. The account is open and i dont have the vehicle. If this account is open where is the truck?? Why dont i have the truck. They need to be stopped. This is ruining my life. I want to be compensated for all this. I want to seek legal action. The account should be closed. And if they cant fix it and do whats right i am going to have them prosecuted. They were sued for the same things in the past. They are fraudulently reporting this 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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX  XXXX  for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1.  XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

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 2019-02-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly

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 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Capital One credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX and XXXX request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a cashout refinance option with Rocket Mortgage in XX/XX/2020 and during the process I was told that I needed an appraisal. So, Rocket Mortgage gave me the contact information for an appraisal. The appraisal information was sent to Rocket Mortgage and I was approved to proceed from XXXX XXXX with XXXX. The initial estimate for the appraisal was {$500.00} and I paid {$500.00} to Rocket Mortgage in XX/XX/2020. When I reviewed my paperwork, I saw the appraisal fee had been included in my loan amount for Services. I brought this to my loan officer 's attention to say I've already paid this so this should not be on there. He agreed and they included a {$500.00} credit to offset this fee. When I received my closing paperwork, on the day of closing, the appraisal fee was now {$710.00}. The closing attorney said to call the mortgage company the next day and I contacted my loan officer and he said there was nothing he could do for me to call customer service. Customer service tells me that the {$500.00} was only an estimate. I spoke to a different person and they said that there was a modification to my appraisal. 
I said, what modification? No one can answer me. Today I spoke to a different person and they tell me that my appraisal was expiring so they need a revision? I guess to make sure the house was still here? No one came back out to the house to do a second visit. And there's a difference between expired and expiring. I feel like I was misled or I'm being ripped off now. For the original charge I was given a chance to accept those charges but not for this modification for what I'm still not sure. It wasn't my fault the closing took forever, but yet they have added this fee into my loan balance.

Company response to consumer: Closed with explanation