BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX  XXXX because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last XXXX digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX  ( XXXX XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.

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 2019-12-23
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2019 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN. XXXX XXXX : The Home Depot Account Ending in XXXX To Whom May Concern : The reason for filing this complaint with your agency is due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusing to set up a payment arrangement on my Home Depot account ending in XXXX. 



Most importantly ; the customer service representative that I spoke with told me the account needs to go into default before they would consider any workout plan. I firmly believe, this plan is irresponsible for XXXX XXXX XXXX XXXX XXXX to offer that a customer account be reported delinquent instead of working out a payment plan. I am extremely disappointed in the way your company policy continually handles business. Not to mention the fact ; I even offered to pay {$120.00} a month payment plan and they referred me to an outside agency. 




Furthermore, I am requesting to have this complaint investigated thoroughly. I would like to thank you in advance for your prompt response and assistance in this urgent matter. 



Respectfully, 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 2023-10-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2023 -- Added my bank account information to Venmo so I could withdraw money from my account to pay my bills XX/XX/2023 -- Venmo put a temporary hold on my account and requested identifying information XX/XX/2023 -- I provided this information XX/XX/2023 -- I called Venmo support and was hung up on XX/XX/2023 -- I called Venmo support again and was told to upload a secondary piece of ID with a selfie holding my drivers license ; I completed this task XX/XX/2023 -- Venmo unlocked my account and then promptly locked it again, saying I was in violation of the XXXX XXXX XXXX because I had XXXX accounts. They sent an email asking which account to close and I replied with my answer. 
XX/XX/2023 -- I called Venmo to get an update on reactivating my account and was told to not call back and just wait for an email XX/XX/2023 -- I emailed checking on the status of my case. No answer XX/XX/2023 -- I emailed checking on the status of my case. No answer. 
XX/XX/2023 -- Still no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: CA
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:
This is my fifth attempt to get issue resolved XXXX XXXX XXXX XXXX I have submitted complaints already with only responses " We apologize and are sorry. Or we do not take care of the issue. In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the credit information exposed by Equifax. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please also address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charged for a lease agreement when the lease was already voided and me and the company agreed that there will no charges because I didnt even move in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.

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 2021-12-16
Company: Selene Holdings LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX Mortgage XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RETALIATION BY THE COMPANY FOR FILING COMPALINT WITH CFPB My credit card was erroneously reported by the Comenity Bank for delinquency. I filed a complaint # XXXX with CFPB, that was forwarded to the company by CFPB. Comenity Bank retaliated against me by closing my account. The reason was cited as : The customer requested for cancellation of Credit Card. I never requested for cancellation of the credit card. I merely requested the company to fix my credit report. But they retaliated by cancelling my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: 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. 

DEPTEDXXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX*has violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

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 non-monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: OH
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 XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a 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 well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-03-03
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied. 

My credit scores were XXXX respectively from the top three reporting companies at that time. 

I was paying a 20 % down payment. 

I had assets greater than the cost of the {$130000.00} loan being requested. 

I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs. 

I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois. 

Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager. 

We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer. 

I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities. 

My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly. 

I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois. 

The bank refused to give me a loan until I received and started a job in Illinois. 

When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary. 

My wife 's credit scores were XXXX respectively from the top three reporting companies. 

XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX. 

We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash. 

Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds. 

Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.

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 2023-09-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i received a refund from the irs for XXXX its not fraud or nothing like that. i have all my paperwork from the irs and everything is correct. chime is holing my money and will not send me my remanding balance. they asked for paperwork and i sent them everything i possibly had to offer. can you all please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

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 inructions 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated 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 non-monetary relief
Consumer complaint received 2018-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian XXXX XXXX, XXXX Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Wrong : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Affirm Holdings, Inc
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to SPEC LOAN SV XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SPEC LOANs customer service representative.

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