BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.

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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened an account with XXXX XXXX XXXX in XXXX, as of XX/XX/XXXX that account was paid off in full. Instead of the credit bureau showing that the account was paid in full and there is nothing owed on this account, it shows account was closed. My credit report score did not increase. I truly believe that is due to my race the amount of the debt that was paid off was XXXX instead of helping my credit score this hindered it. It did not go up but went down. XXXX made a comment stating keep try to keep accounts opened.

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 2022-02-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My checking account with Citibank has been inactive since XX/XX/XXXX. There hasn't been a single activity on the account between XX/XX/XXXX and now ( XX/XX/XXXX ), yet the account was charged a {$12.00} service fee per month for 17 months. 

I reached out to Citi and asked for full refund. However Citi only agreed to refund for two months ' worth of service fee ( {$24.00} ).

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 monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with US Bank. I use there online payment system to make my mortgage payment. I Like to have serval months of mortgage payments paid in advance. so I pay in advance in case something happens and i cant make the payment. 
In the past this was not an issue with the bank, but NOW it is for some reason I have had st spend several hours on phone correcting this issue with them and they have still not resolved the issue. When i make an EXTRA payment on my mortgage it does not show that i made an extra payment after the payment has processed like it use to in the past. So when I call they tell me that the payment was put to 100 % of my principle. Which it should not have been. This makes it very difficult for me to keep track of the actual principle and interest on my account. It also effects my taxes because in my payment I pay my taxes to the bank and then they pay it to the Tax collector when it is due. This has also caused issues when they pay my taxes in the past which has made me pay penalties that the bank should have incurred, not me. If they cant do their job that is not my fault especially when i have no control when the money gets sent out. It also could potentially make me late in my payment if I did not know this, not to mention is against the law. I would ask that this gets resolved with this bank because by doing this they are creating false Financial Accounting which I would assume helps the bank get more money for loans which is Against the law. This is not to mention that it makes it very easy for them to ACCIDENTLY continue to make this mistake and it makes it harder to keep track of my actual payments that are made and my Principle, Tax and Balance of my mortgage. Please address this problem with this 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 explanation
Consumer complaint received 2018-03-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX and I submitting this complaint without any influence from from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2021-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX. I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my rep
orts.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2020-03-06
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime after XX/XX/XXXX my personal information was compromised and I became a victim of Identity Theft. On XXXX a vehicle was rented in my name at XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX Ca. as well as products from XXXX XXXX Once I found out about this fraud I immediately put a fraud alert with the 3 major credit bureaus on XXXX and on XXXX the police report I filed with the XXXX XXXX Police Department was approved. I had contact with a detective from XXXX and informed him about the identity theft and the date in question and let him know that I was at work at the time of the car rental. No further information on my part was needed and a case of fraud/theft was issued with them. Once I had the police report approved I filed a Fraud Statement Dispute with XXXX and on XXXX XXXX XXXX sent me a letter stating they would not be pursing collection activity and I have been removed from financial responsibility. Soon after the police report I started getting calls from XXXX about an outstanding bill in my name. I informed them that I was a victim of identity theft and the same thing happened with XXXX XXXX. I then proceeded to fill out the XXXX Fraud Statement Dispute and sent that form in along with a copy of the police report and photo ID. XXXX in turn denied my fraud claim and are not accepting the information I have provided them. They in turn took me to collections in which I then sent Curtesy Letters to both XXXX and Source RM stating that California Penal Code 530.8 and the Federal Fair Credit Reporting Act require them to supply me with a copy of all information about the said account including the application that was used to open the account and records of all transactions. They both haven't sent me the information I requested but XXXX did send me another Fraud Dispute form. I also found out that an XXXX XXXX XXXX account was opened but they closed out the case after I talked to a manager in there fraud department letting them know I've been with them since XXXX and opening another account made no sense to which they agreed and closed out the fraud case. I also mentioned to XXXX XXXX that the said address used in the transaction ( s ) was an address I had previous lived at and was a renter. I no longer lived at said address because I am now a home owner. I have a copy of a 30 day notice of said address as well as a copy of the Grant Deed of my current home, the Police Report and the XXXX letter stating that the fraud case has been dismissed. I didn't have XXXX XXXX or XXXX XXXX XXXX XXXX in the police report because at the time I didn't know they purchased anything from them. 2 majors companies have accepted my fraud claims but only XXXX XXXX has not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The beginning of XX/XX/XXXX, I contacted Quicken Loans to see about approval for a new mortgage loan. I spoke to representative XXXX initially. I provided all requested materials, paid a required good faith fee of {$500.00} and received a pre-approval for a new mortgage loan. At that time I was questioned about my employment status. I had told XXXX over the phone as well as in text messages and email messages that I had retired from my permanent full-time position 2 years prior but, was continuing employment with the same company on a temporary basis, through their temporary office and had done so since XXXX of XXXX. He assured me that my employment status would not be a problem. Subsequently I received a final approval for the new mortgage loan with Quicken and signed a contract to purchase my new home. Out of the initial {$500.00} good faith payment I made to Quicken, an appraisal was done for my new address and fee deducted. I was also given a closing date of XX/XX/XXXX for the purchase of my new home and had the sell closing scheduled for my existing home on XX/XX/XXXX as well. Approximately two weeks after receiving the final approval from Quicken I was notified that there was a problem. Apparently Quicken misunderstood my employment status. They were under the assumption that I was working permanent for the temp. office I am working temporary for. Because of this my debt to income ratio posed a problem for my approval for a new mortgage loan with Quicken and my initial approval was denied. I received a phone call from XXXX at Quicken who offer the solutions of getting a co-signer for the new loan, putting {$20000.00} additional dollars down with my 20 % down on the new property or including my boyfriend on the loan. I am XXXX years old, have paid a mortgage for 30 years on my own, did not have an additional {$20000.00} dollars to put down and did not like the suggestion of being forced to put my boyfriend ( not husband ) on my loan. Due to these problems presented by Quicken I was forced to scramble to find another resource for a mortgage loan to purchase. I did so with no problem., however I am out my {$500.00} dollars paid to Quicken Mortgage and have not received an offer of refund from them. Truthfully I am not holding my breath that my money will be returned but, will never deal with Quicken loans in the future. This was a misunderstanding on their part and no fault of mine. If I could be reimbursed my good-faith payment of {$500.00} I would definitely appreciate that as I was required to pay an additional {$390.00} to my approving mortgage lender for another required appraisal of my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is reporting inaccurate information to XXXX XXXX. When I log on to Equifax directly to check my credit report it doesn't show any collections. When I log on to XXXX XXXX, the Equifax profile is showing 3 collections on my Equifax profile that is hindering me from establishing new credit with various banks and lenders. I can't submit a dispute through Equifax about the accounts because the accounts not directly on Equifax to dispute. I want the 3 collection accounts removed off of XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank ( XXXX Credit Card ) charged me interest XX/XX/2021 on a {$0.00} balance after I had missed a payment. I was confused about how I had missed a payment, but I realized it was probably because they have overcharged me interest. I asked for the terms of service where I have signed that they can charge me interest when I have a {$0.00} balance and the customer service reps are ignoring my questions. They gave me a {$39.00} credit for the first late fee, and a refund for {$35.00}, both which I didnt request. They stated they received verbal authorization to return the {$35.00} but I have not spoken with them on the phone. I have asked that they REMOVE the 30 day late payment theyre reporting to the credit bureaus because the company is untrustworthy. I have reason to believe the late payment is being fraudulently reported. I have received ZERO in mail correspondence from them. I mailed a dispute in regards to the late payment asking for a goodwill removal and they ignored it. They replied that it was a duplicate response and to refer to the investigation previously sent, but there wasnt one. They have ignored my requests, and in my asking for the original investigation letter and decision I realized they were charging interest that violates their terms of service. They have ignored me several times. I have mailed in requests. Emailed. And messaged on their secure platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I dont when my Truist mobile banking app kept kicking me out of my account, but friday XX/XX/2022 I finally got it fixed and it was working for a full XXXX hours. The next morning it kicked me out my account again, but I knew I could fix it by going to the truist bank and talk to a teller. But I knew I had money in the account so I decided to renew my XXXX XXXX but my card declined. So I called truist and tried to check my balance but it was telling it couldnt be verified. So I go to the bank and they tell me my account is on hold because of a mobile deposit that I didnt make. I dont know how someone got my information.

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