BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/2022.

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 2017-04-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Fifth Third Bank allowed charges of {$17.00} to go through on a card account, ending XXXX, which I had not call to authorize use on. On XX/XX/XXXX when I called they admitted their mistake ( telling me anything under {$50.00} would go through ) and reversed the late charge and the balance ( {$17.00} ) was paid, my credit report would not show a late. 
On XX/XX/XXXX my credit report was hit and dropped substantially. I immediately called and spoke to customer service who apologized, saying she would forward an email to have it corrected. 
On XX/XX/XXXX I received a letter from XXXX. VP of Fifth Third Bank stating they tried to investigate but need more info ... 
To date it has not been corrected

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before  with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/ I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this for transunion i am a victim of identy theft and all accts and negeitve remarks need to be blocked and then deleted.

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 2022-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am so sick and tired of the credit bureau XXXX with my credit score .My credit cards are payed in full every month and my credit score keeps dropping someone please explain how this can happen. Talk about these companies being fraudulent I need help to stop them from running 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 2023-09-26
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 a scammer went into my bank account posing as chime rep and took all the money out of the account. Chime knows this and saw the fraud happening while on the phone with me. Saw my contact information changed and everything. I have sent a rebuttal which was Monday and yesterday but they still denied my credit back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, TransUnion and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, XXXX and TransUnion to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, XXXX and TransUnion Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX Memeber # XXXX and TransUnion 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2017 I traded in my vehicle with with new dealership. Months later previous lender reported false information on my credit worthiness to the bureaus. It is now being reported I was 3 months behind on payments 3 months after DMV release of liability form was signed and submitted.New dealership has proved the previous lender cashed payoff check before they reported late payments

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 2019-12-01
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Everything in this complaint is well documented with letters, notes, and emails, however its the 80+ hours of phone calls with Ocwens Office of the Consumer Ombudsman and PHHs Retention, Resolution, and Escalation Departments that have been most helpful in accurately piecing together all that has occurred. Its been my experience when dealing with Ocwen, and now PHH, that a majority of my concerns will not be properly investigated, if at all, will not be accurately noted to the file, if at all, and the resolution letter is so watered-down that it rarely describes what truly transpired. The help desk said I cant upload audio files but if you thought it would be helpful I could copy all call to a USB drive and overnight it. COMPLAINT : In late XXXX of this year Ocwens Office of the Consumer Ombudsman, and then PHH, agreed to suppress my credit history with all 4 CRAs from my XX/XX/XXXX payment through XX/XX/XXXX. Although neither Ocwen or PHH dispute the agreement to suppress my credit, both continue to knowingly furnish erroneous information to each of the 4 CRAs.. In XXXX I disputed Ocwens erroneous reporting with the CRAs, Ocwens responded by continuing to report the erroneous information and falsely verifying it as accurate. Over the past 9 months Ive provided over a dozen excerpts from my credit report showing the erroneous reporting, however, I cant find a single time theyve even acknowledge them. Ironically, one of the reasons for granting the credit suppression in XXXX was Ocwens erroneous reporting of my credit back in XX/XX/XXXX. The only bright spot in this entire mess was working with XXXX XXXX in the resolution department. She understood my issues, was accessible and responsive, but most importantly she got answers. She actually fixed the reporting issue in late XXXX it was short-lived lasted until XX/XX/XXXX. Im attaching the following. PHH latest erroneous credit reporting response dated XXXX, various credit excerpts highlighting the erroneous reporting, Ocwens dispute response to XXXX, Excerpts showing Ocwen and PHH reporting correctly XXXX XX/XX/XXXX. Again, I would encourage you to listen to the calls to fully understand what borrowers have to deal with. In the next week or so I will be filing separate complaints against both Ocwen and PHH for their continued violation of our Federal consumer financial laws, Ocwen for its actions leading up to the XXXX suppression agreement and PHH violation regarding the transfer and modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
AmazonStoreCard/Synchrony bank doubled charged me and once it was brought to their attention I was told the issue would be corrected and not to make a payment until it is resolved. While I was waiting they reported a none payment to the credit bureau and my credit score decreased drastically. Made a second call about the same issue and I was told they would contact the credit bureau to let them know it was an error on their behalf. As of today they are continually charging me and the balance is increasing.

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 2021-07-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This case was previously sent to you. Thanks for copntacting CITI Bank to resolve the case but CITI Bank only provided me with partial refund and when I contacted them by phone they told me they will not give me the remainder of the amount which is {$680.00}. On XX/XX/XXXX XXXX refunded me for the ticket for cancelled trip because of COVID, On XX/XX/XXXX CITI withdrew an amount of XXXX from my account in two transaction {$790.00} and {$250.00}. As of today CITI Bank had not sent me a reason for withholding {$680.00} and credited my account only for {$360.00} 3 weeks ago. I have been calling and speaking to CITI Bank and as of today they have refused to credit the {$680.00} which they still owe me. I am asking for interest added to the amount which is {$50.00} since XX/XX/XXXX and 7 months have passed and I still have not received a closure on this issue which have taken lot of my time and stress to deal with this issue. The amount of {$680.00} is posted as Other Credit on my statement which XXXX  refunded me for upgrade and extra luggage fees which I paid XXXX  and now CITI Bank has deducted from the refund amount of {$1000.00}. I am asking for a total amount of {$730.00} which included the {$50.00} interest. Thank you so much for your assistance and keep up the good work. CITI has chosen to underestimate customers and take my hard earned money away from my account and withdrew funds from my account for 7months without giving me a reason and not even contacting me in writing or by phone and upon me calling CITI constantly still refuse to give me my own money and are rude on the phone. I am glad I found CFPB to help me with this. Thanks a lot CFPB.

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 2022-12-12
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had mortgage payments deferred from XX/XX/XXXX onward. In XX/XX/XXXX I tried to make a payment to Fay Servicing but they refused my XXXX payment insisting that all deferred payments were dueXXXX XXXX rules for deferments required deferred payments to be moved to the end of the loan if agreement could not be reached by the servicer and the borrower. I did not agree with Fay. In XXXX of XXXX I was diagnosed with a XXXX XXXX XXXX and was contending with XXXX from the XXXX. I received notification from the XXXX XXXX XXXX XXXX that I had missed their deadline to respond. They had tried to reach me by phone but Fay had provided them with an incorrect phone number. I then started working with XXXX a non-profit mortgage counselor, to apply for the Homeowner Assistance Fund program ( HAF ) to repay back mortgage payments. At the end of XXXX I had XXXX to remove the XXXX XXXX and was XXXX  for a week. During XX/XX/XXXX I was heavily medicated following XXXX. In XX/XX/XXXX I continued with my application to HAF. Fay had set a foreclosure sale date of XX/XX/XXXX for my home. I contacted Fay on XX/XX/XXXX and also on the XXXX informing Fay that I was working with HAF. HAF contacted Fay on XX/XX/XXXX asking them to postpone the sale but Fay refused. Fay later claimed they had no third party authorization for HAF but I had provided that to XXXX  on XX/XX/XXXX, and HAF received it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal locked and limited 2 accounts of mine for 180 days. One account with {$18000.00} in it and one with {$9600.00}. Both accounts only had 1 chargeback ever and I won both cases on the accounts. Whenever I called PayPal the said for both accounts it was due to " Quantity Suspicions ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Information belongs to someone else

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



XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX T ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief