BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This bank has continuously misappropriate my funds. I made a payment of {$500.00} on the principal in XX/XX/2021. They took the money and misapplied or hid or stole my money. Ive called on nervous occasions and even filed a claim already and they are denying this. Im asking for {$250000.00} to be taken off the mortgage this is not the first time they have done this and I will file a complaint each time. They have discriminated against me and stole my money.

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 2022-06-21
Company: EQUIFAX, INC.
State: PA
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:
ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: ND
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:
Applied for a small loan with my main bank ... I do business with three different banks, all of which I am in good standing..and have been for quite some time. Equifax has either mixed me up with someone else, or just ca n't get its facts straight about me ... and has tanked my score for no apparent reason ... absolutely no change has occurred ... yet it tanked my score 54 points for no reason at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I never had an agreement or contract with this company Monterey Collections XXXX but started receiving calls from them stating I owe them money for a closed and old debt from a company that was taken out in XXXX that never contacted me since I can remember. I started receiving the calls in XXXX and my credit report was hit in XXXX. They 've since then been adding {$1.00} a month to knock my credit score down tremendously. It 's frustrating because I 've since worked in my credit and cleaned it up since I 've retired due to the financial struggles I experienced while on XXXX XXXX not by choice. How can a company I have no agreement, contract or any dealings with do this? Being threatened over the phone to sue me and attack my score until I pay them in full has really affected me mentally and physically. They 've kept there word with the " affecting my score threat! '' It 's also odd they have my old address but I was never contacted by the original company. I 've even gone through a debt consolidation company that included this past debt called XXXX XXXX XXXX XXXX. I 've had enough medical and life issues I 'm dealing with daily and these people are n't helping me or my situation by harassing me or others. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I asked for debt validation as per 15 usc 1692g a ( 1 ), ( 2 ), ( 3 ), I asked for the following : the original contract stating any obligation to this debt. Who is the debt owed to and who was the original creditor that extended credit. I submitted to them different letters and phone calls. They did not respond with the validation requested. I stated if they were unable to find the request then im not obligated to pay anything and the debt is null and void and they arent able to collect. I also submitted a cease and desist in my letters on phone communications of contacting my family members or selling my address to other companies. Im being XXXX and people are being sent to my house without my consent. They are using abusive practices.

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 2022-06-21
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:
I tried applying for a student loan but my credit report was pulled from multiple sources and I did not know. 

XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.

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 2020-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is reporting an invalid collection account by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX  in violation of the FCRA that requires the validation of the information accuracy of a claim, the collection claim does not correspond to my personal information accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry :  XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY BANK OF AMERICA ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A BANK OF AMERICA FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

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 2018-09-07
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My agent submitted the short sale package and it was deemed complete, however we can not get them to order the XXXX. My agent has called repeatedly, the servicer which is SLS has continued to blame the problem on XXXX XXXX. We have called XXXX XXXX, and this is a lie. XXXX  has received NO request for 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 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit line increase with capital one on XXXX XXXX. They sent me a letter saying my request was denied because my payments were too low. I always pay more than my minimum payments so i disagree with the findings. I have reviewed my payment history and it was 40 percent more than my minimum payment requirements. I would like a reconsideration. I am a loyal customer and i strongly believe that i am more than qualified to receive a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: IL
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:
I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, five purchases were made at five different XXXX XXXX  stores in XXXX and XXXX in amounts ranging from {$420.00} to {$740.00} on my Bank of America Visa. I live in XXXX   and all of my previous XXXX XXXX purchased have occurred at the same XXXX store or on-line. On the same day, BofA notified me via text that an unauthorized purchase had occurred on my card and asked whether I approved the purchase. I responded that it was not authorized. The next day I spoke with BofA. They issued me a new card and said the five transactions would remain pending while under reviewed for fraud. 

I thought all had been resolved. I also received a letter dated XX/XX/XXXX, BofA sent me a letter stating, " You reported one or more charges or cash transactions that were attempted, but the unauthorized attempts were unsuccessful. '' But then, on XX/XX/XXXX, BofA reversed only two of the five charges. The three remaining transactions were for {$420.00}, {$530.00} and {$680.00}. 

I spoke to customer service again, and they stated that I am responsible for three of the charges since they were " chip authorized. '' My card was never out of my possession, which means the chip used for these transactions was on a forged card. They suggested that I contact each of the XXXX XXXX in question and ask the managers to review their transaction that day to see what was purchased as well as review the security camera footage to see who made the purchase. I could also call my local police department to file a fraud report. 

When I requested copies of the sales slips so that I would be better informed when calling these XXXX XXXX and the police department, I received this computer-generated response for all three : " We're unable to request a copy of the {$680.00} [ {$530.00} ] [ {$420.00} ] sales draft from XXXX XXXX XXXX. Our records indicate that this transaction has already been placed into dispute. '' I was then told that it was up to XXXX to release that information, and it could take at least 30 days for them to consider releasing the information. This all seemed like a process my credit card company should be doing on my behalf. They have basically wiped their hands of it and said good luck. 

I am now in the process of reaching out to my local police department so they can coordinate claims with three different police departments in XXXX and calling XXXX XXXX and XXXX corporate to make them aware of the use of fraudulent chip-enabled cards circulating in that area. Such a fabulous use of my time when we were all promised that the new chips would reduce fraud!

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 2022-08-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX  account # XXXX, has violated my rights. 
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.

these are the accounts. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX- XXXX. 
XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX us department of eduXXXX us department of eduXXXX-XXXX  us department of eduXXXX us  department of eduXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a new business credit card. Before I received it, Citi left a voice mail about a fraud concern. I twice tried to call, but I was on hold for too long. ( I work for a living! ) After receiving the card, I have attempted to activate it but the website directs me to call " to protect [ my ] account. '' As I am writing this, I have been on hold over XXXX minutes.

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