BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased an appliance from XXXX XXXX and bought an extended warranty on the product. I opened a charge account with XXXX XXXX with an implied agreement that the appliance would be in working order or be repaired under warranty. This appliance is not working and XXXX XXXX has refused to honor the warranty. They have failed to repair and/or replace this item. Now they are attempting to 'charge off ' an account but I feel I do not owe this balance because they are in direct violation of the extended warranty agreement. The warranty provides for repair or replacement of said appliance and was suppose to provide an additional layer of protection that my standard home owner 's policy did not offer. This is a direct violation Magnuson-Moss Warranty Act. Please remove the XXXX XXXX charge account tradeline from my report as this is a debt not owed.

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 2021-02-23
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with United Wholesale Mortgage on XXXX, XXXX. In XXXX I contacted them and asked them if I should pay for the county property tax. They said yes and they will start paying taxes starting XX/XX/XXXX installment period. I then paid my county property tax. However UWM also deducted {$4400.00} in XXXX from my escrow account. 

I have contacted the county and they said they only received my online tax payment. They don't show any double payment. I contacted UWM many times and as of today they still have not refunded my escrow account. Their customer service keeps saying wait 2 weeks and it has been over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Risecredit, LLC
State: MI
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:
On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: UT
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:
Re : -XXXXXXXX XXXX JPMCB Card is reporting a debt on my credit file that is not owed. I recently pulled my credit and noticed that they are reporting a debt that is very old. I have checked my state laws and checked with my state Attorney General and this is way past the statue in Louisiana. Not only is it past the statue in Louisiana but past the credit reporting limit per the FCRA guidelines. This needs to be removed off my credit report or you are violating my rights under the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I got approve for Citi XXXX  credit card on XX/XX/XXXX after ten days never got the card, I move to florida XX/XX/XXXX contact Citi to request a replacement card mail to my new address they confirmed the new card was mail after contact a few times the answer was the card is in the mail, this card has an three month offer to get XXXX points, the time is running and the only thing I have is the photo of the card someone send me from my old address if I go to the store I have to put the number manually, Still waiting for the card.

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 2023-09-14
Company: Self Financial Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have 3 negative accounts on my credit that was open fraudulently. I would like to have them removed. I have sent several letters to these companies and disputed the transactions, and nothing has happened. 

SELFINC/LEAD, XXXX SBNASELFLNDR, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: MT
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:
XXXX XXXX incorrect personal information and reported accounts on XXXX Equifax incorrect inquiry 's and multiple incorrect collect accounts. We have checked our system and have made clear that our email and name and address is updated so we need yours updated in Your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter about inaccurate account on my credit report. It has been over 30 days and I still haven't received a response.

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 2019-06-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in the process of refinancing my mortgage in the month of XXXX, the company that I was refinancing with requested a payoff from XXXX XXXX XXXX. On XX/XX/XXXX Lakeview initiated a tax payment out of escrow for me. They provided a payoff on the XXXX of XXXX and we calculated this payoff for the closing including per diem. I dont know why they would send us a payoff with figures that werent accurate after they initiated a tax payment. With that payoff, we wired out what the amount would be with coverage for per diem. They rejected that two times from us saying the amount was short even though it was exactly what was requested on the payoff statement. 

Now i'm being reported delinquent for the month of XXXX even though I tried multiple times to payoff my loan with the exact instructions provided by XXXX XXXX XXXX. I shouldn't be reported delinquent.

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 2019-03-15
Company: ALLY FINANCIAL 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 am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Name is XXXX XXXX, My friend banks with Chase bank. I received money from winning a game and i used her XXXX to recieve my winnings. This amount was accidentally deposited to her bank from her XXXX. She called her bank and asked for a refund because it isnt her money by law. 
The bank refused to reverse this transaction and im extremely mad because i needed this money to feed my kids. Please do something about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

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 2020-05-21
Company: EQUIFAX, 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:
There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX  XXXX ( Equifax ) Unauthorized Inquiries : XXXX ( 2 TIMES ) EQUIFAX MTG ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a new vehicle and wanted to pay cash. The dealer pressured to finance XXXX. I did but stepulated only for two years. After over 2 years called for balance. Turns out the financed it at their own discreation and chose 6 years at a very high rate. And added several protection criteria. Like loan protection, loan assurance and others increasing the loans amount. Please let me know what is going on. I am a XXXX XXXX XXXX VeterAn with a fixed income. 
XXXX XXXX XXXX. 
Very worried I can be reached at XXXX XXXX Thank You. I appreciate your responce

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( Transunion & XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( Transunion ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX  XXXX XXXX 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureaus and XXXX XXXX  is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting

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: MO
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 have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/XXXX and XX/XX/XXXX, then after the disputes it will say 30 day late XX/XX/XXXX XX/XX/XXXX, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, XXXX and Equifax. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft.

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have been wrongly been not allowed to purchase bitcoin off coinbase. I have done nothing wrong and yet they have limited and not allowed me to personally buy bitcoin off their exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: DE
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:
I have written to experian about an account from XXXX of 2015 the continues to reflect a non payment when in fact this account has a XXXX balance and SHOULD BE CLOSED,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Healthcare Collections-I, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and Experian Senior General Counsel XXXX XXXX admonition in writing the mixing of my credit information with other creditors through data-file sharing agreement between XXXX and XXXX granted known XXXX marketer XXXX access to my PII through data-sharing agreement. Thus such security lapse provided ( " XXXX '' ) XXXX XXXX XXXX XXXX XXXX Enforcement to unlawfully obtain and share my ( PII ) resulting in the misappropriation of my image, biographical facts ; name, likeness ; identity and good name which XXXX been unjustly enriched. XXXX violated XXXX XXXX,XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX failure to protect and safeguard my ( PII ) and XXXX XXXX XXXX XXXX , Subchapter XXXX, sections XXXX   protect the disclosure of Non-Public Personal Information violated my protected rights under Fourth Amendment. Experian data breach is example of broken chain of custody or stewardship over ( PII ) data ; obligated by law to protect and safeguard. 

As direct result of Experian antiquated networks and servers ; and merge with XXXX and XXXX Info Search granted cybercriminal XXXX and known XXXX marketer ; access to my PII and solicitation to identity thieves on the dark web my ( PII ) for profit ; constitute a reckless and willful violations of FCRA and liability under 5 U.S.C. 1681 ; Experian willfully and recklessly violated 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) failing to identify, implement, maintain and monitor the proper data security measures, policies, procedures ; software and hardware systems to safeguard and protect consumer PII. 


Experian false or inaccurate reporting of consumer information from third parties of inaccurate information resulted in the mixing of consumer credit files and personal identifying information with another consumer information that did not belong to XXXX XXXX substantiates Experian has negligently violated Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ).

Experian negligence in not compensating consumer timely ; to statutory and punitive damages {$1000.00} for each violation under 15 U.S.C. 1681n ( a ) ( 1 ) ; having committed since 2011

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