BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
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: Public record information inaccurate

Complaint:
I checked my TransUnion consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to TransUnion to publish these. I know thats a violation of my consumer privacy. I sent TransUnion a certified letter on XX/XX/2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XX/XX/2021 showing TransUnion all the consumer rights that they have violated since I am a consumer. 
1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply

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 2020-07-13
Company: Experian Information Solutions Inc.
State: NV
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:
I reached out to XXXX  and Experian diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate

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 2019-10-02
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:
I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -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 2020-12-02
Company: Experian Information Solutions Inc.
State: WI
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:
Experian is reporting a incorrect bankruptcy on my credit report. The bankruptcy does not belong to me. I have disputed this bankruptcy multiple times and Experian keeps telling me the bankruptcy is accurate. They have not provided any information to me to show me that this bankruptcy belongs to me. They are violating my rights as a consumer. They should be reporting accurate information and are not.

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 2023-04-07
Company: EQUIFAX, INC.
State: NE
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XXXX XXXX, 2018, an inquiry showed up on my credit report. I never authorized nor lifted the freeze off my credit report for this inquiry. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2023-01-25
Company: Experian Information Solutions Inc.
State: MI
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 received complaint XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information regarding this account shall be deleted from all consumer reporting agencies including XXXX, XXXX AND EXPERIAN 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 2021-11-02
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home through XXXX XXXX  XXXX based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with XXXX XXXX XXXX XXXX XXXX based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is PHH Mortgage didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both PHH Mortgage and XXXX XXXX about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from PHH Mortgage which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the XXXX day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time. 

XXXX XXXX responded to the issue as follows : - Company 's Response XX/XX/2021 CONSUMER FINANCIAL PROTECTION BUREAU Reference : CFPB Complaint Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of XXXX XXXX complaint and inquiry regarding a recent refinance where Mr. XXXX lender , PHH Bank XXXX has not applied the wire that was sent to pay the loan in full. On XX/XX/XXXX, XXXX XXXX XXXX closed the refinance of XXXX XXXX property and sent, via a wire transfer, a payoff to PHH bank based on their payoff statement. According to the PHH payoff statement, the payoff was good through XX/XX/XXXX and the amount that was sent to PHH on XX/XX/XXXX had an amount slightly higher than the payoff demand to cover an additional day of interest. On or around XX/XX/XXXX, PHH returned the payoff wire claiming that the funds submitted were not sufficient. The very next day on XX/XX/XXXX, another wire was sent to PHH to pay the loan in full. XXXX XXXX XXXX followed the instructions and payoff amount that was submitted from PHH. When PHH returned the payoff wireXXXX XXXX XXXXXXXX XXXX took immediate action and worked with PHH to get XXXX XXXX loan paid in full. PHH has been in receipt of the payoff wire since XX/XX/XXXX and XXXX XXXX XXXX has not been notified that the loan has not been paid in full. As XXXX XXXX XXXX has submitted the payoff wire to PHH, there is no additional action that XXXX XXXX XXXX can take in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello my name is XXXX XXXX my ss # is XXXX my dob is XX/XX/XXXX and I've been a Citibank customer for many years with no problems. Then on Tuesday XX/XX/XXXX I purchased items from someone that totaled XXXX us dollars she told me to send her the money through XXXX because she had a business account with them, and on my Citibank app I saw that I had XXXX also as a form of sending money to someone so I proceeded with the transaction but was only allowed to send XXXX dollars per day as my limit so on XX/XX/XXXX through XX/XX/XXXX I sent this person XXXX each day totaling XXXX in return she sent me a confirmation from XXXX stating that if I did not receive my items in 7 days I would be refunded in full from XXXX, After that this person who claimed she was a woman named XXXX XXXX confirmed she received the money and that she was sending out my items the next day with usps with insurance and tracking information and she stayed in touch with me the whole time. The next day she sent me the confirmation from usps that it has shipped and will arrive the next day which was Saturday XX/XX/XXXX I have all the pictures she sent me and all the messages she wrote to me. I kept checking for a tracking update because she kept saying they are gon na send me a tracking number once it departs via email, I started getting suspicious because in her messages I was catching her in lies, so I called my Citibank right away and in a panic cryed to them that I think I was scammed into sending this money and Citibank told me not to worry that I would be protected if these transactions are indeed fraudulent and I was told to wait until the day my items were promised and that if I wasn't updated with tracking of my itemsor didn't recive them as promised I would be protected that phone call took place on XX/XX/XXXX with Citibank which they said was being recorded, so I waited till Saturday the XX/XX/XXXX and never heard or received anything in mail and this person stopped responding to me and I called Citibank once again crying and pleading to them for help where again they told me not to worry I would be protected and they would help me so I put a claim in with them and 10 days later they sent me a letter stating that they can not help me with this claim and I should try to resolve this with the recipient who of course I have no idea who this person is and the person does nit respond to me because they robbed me! please help me please.my phone number is XXXX I live in XXXX XXXX XXXX ny XXXX my account number with Citibank is XXXX please help me I am XXXX years old and this is my only money please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
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:
I would like to request a validation of debt from JPMCB Card. As you'll see in the attached photo in the account info section JPMCB stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: CITIBANK, N.A.
State: VA
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 noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
Citi/Costco credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called Citi and they told me XXXX had to take care of the situation, so back and forth we went. Citi said they would credit one months interest back as I refused to accept their version. Citi  eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.

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 2020-02-01
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan during the week of XXXX 2019 for a refinance with pentagon federal credit union. I submitted every document they asked for that I could send them. It took them three months to tell me they could not give me a va loan. Is there due process or time line they should meet? I can not shop around for another loan and not hit my credit.

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 2023-04-07
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX, Equifax and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: Account information incorrect

Complaint:
I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with XXXX XXXX Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. Equifax is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. Equifax is the only credit report in which this late payment is being reported. The other two major credit bureaus ( XXXX  and XXXX  are not reporting a single late payment on this account ). Equifax is being unreasonable. 

If this late payment was accurate, XXXX XXXX  should have sent me a notification by mail or a call, as required by law. The truth is that I never received nor a notification, nor a call because I have never been late on any of my accounts. 

I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. Equifax is committing UNFAIR BUSINESS PRACTICES, NEGLIGENCE, MISSREPORTING LATE PAYMENT, and the list of violations can go on once I sat down with my attorneys. 

This is affecting me in a huge way ; emotionally and physically. Equifax must take the following actions in response to this complaint : conduct a reasonable investigation and correct this inaccurate information. 

If Equifax refuses to do what I am demanding, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Believe me, I dont want to go to court, but if this complaint does not make any effect, I will not hesitate. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX  was due. Proving this was not a money factor or even worst that I wouldnt want pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email XX/XX/XXXX from PayPal saying my account has permanently been limited. A week later, i received the same notice from Venmo, which is owned by PayPal. I was told my account violated the acceptable use policy and was asked to please remove the PayPal logo and payment option from my website. I do not operate a business through my PayPal or Venmo account. I am just a consumer utilizing both. I called PayPal on XX/XX/XXXX and asked customer service to please review this action, and opened up a claim online. Both PayPal and Venmo customer service have repeatedly sent me template emails since then and have not specified what if any transactions or otherwise actions taken have violated the agreement. I spoke to the security & fraud department on Thursday XX/XX/XXXX via phone, and they provided me zero information, and were not willing to investigate the permanent limitation or cooperate with me in anyway. They were extremely rude in conversation and also left me on hold for over an hour, and did not facilitate speaking to a manager promptly. They have told me I will receive my money from my PayPal & Venmo accounts 6 months from now. This is not acceptable, and I would like the CFPB to get the company to provide a legitimate response and to immediately make this right. I feel that my access to my money has been wrongly limited, Ive been denied using my accounts and have not been provided the least bit substantial information as to why this happened or any ability to protest and reverse this process. I really need some kind of help with this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Williams, Rush & Associates, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. I've previously files a complaint ( XXXX ) against the company on XX/XX/2022 and filed several disputes where the collection was removed. I received a letter from them again attempt to collect a debt that is 8 years old. A copy of all the supporting documents will be attached with this complaint. Please advised if the company has violated my privacy rights so i can take legal actions against them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, XXXX and Equifax refuse to investigate this abusive process claiming they must remain for two years.

Company response to consumer: Closed with explanation