BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, In XXXX I was a victim of id Theft, I fixed it at the time that happened and I put a freeze in my credit report, back in XXXX something came up and I did a consultation with a Lawyer who after suggested to file for XXXX XXXX bankruptcy, I filled all the papers she sent but 2 days before paying her she decided to drop the case, so I stopped paying my bills for 2 months, While I was working with the Lawyer, she recommended another one, but after talking to him, I decided not to pursue. and now I'm in a bigger trouble and making it impossible to go back on track, so some of my credit cards I got an agreement to remove late fees and personal loans, but XXXX card closed my account, minimum payment now {$390.00}, But the worst of all Citi Advantage closed my account too making the minimum payment {$680.00}, after 20 years as a customer with Citi, only having this account for 6 months, never late, same with XXXX. I have been trying to communicate over the phone with Citi and its, impossible nobody has access to the account not even myself. Every time I call they cant see the account, They transfer me to collections, same thing, they transfer me to recovery dept, call drops and I have to start over again.Im just trying to go back on track.

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 2023-06-21
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX  XXXX | Credit Card

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 2022-11-24
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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 XXXXXX/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 explanation
Consumer complaint received 2023-06-28
Company: Upgrade, Inc.
State: NC
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:
Contacted the company and credit bureaus and still no response. I am a victim identify theft and requesting to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
State: NC
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX {$840.00}, XXXX XXXX XXXX {$700.00}, LVNV Funding LLC, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Affirm 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:
A police report was sent to remove fraudulent accounts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TrueAccord Corp.
State: TX
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:
TrueAccord Corp is trying to collect a total of XXXX. I do not know what this is and I would like this removed.

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 2023-06-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo was charging my account every month for fees that I didn't agree to after they switched the type of checking account I signed up for without my signature or request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are facing foreclosure on the home sale date of XX/XX/XXXXXXXX XXXX. Aside from many other problems recently we lost a family member to XXXX XXXX XXXX XXXX XXXX was a resident of this house for 16 year her name is on the deed of this house. 
In Order to postpone the sale date so that we pay off the loan here is what we did. 
XXXX. We sent Select Portfolio Servicing proof of where the funds may be coming from. 
XXXX. We also inform them XXXX XXXX left another property which is up for sale and we intend to use funds from that sale to pay off property at XXXX XXXX XXXX  XXXX which is set XX/XX/XXXXXXXX XXXX auction, that was XXXX XXXX last wish XXXX. We also sent them a pre-qualified letter from a Mortgage company that potentially is approved for {$530000.00} to buy this property for us. 
What SPS did not do : XXXX. Never offered a payoff amount XXXX. Did not offer forbearance option XXXX. Did not acknowledge receiving any of these documents This complaint against their so-called Ombudsman department according to the SPS Ombudsman supposed to help the consumer but sadly reality is something different. SPS is engaged in accruing underperforming mortgage from Banks only to foreclose them but many times they deceived the consumer led to them believe they are help them. The SPS Ombudsman Department is involved in fraudulent practice and we demand a thorough investigation of their activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loan was started as payment to online e-commerce store, with Affirm as payment provider. Ran into dispute issue with store and Affirm refused to do anything even after I opened a case, customer service would not allow escalation. I reached agreement with merchant for a refund but Affirm refused to allow merchant to process it, nor would they close the dispute. I have already submitted proof merchant agreed to refund, they're also willing to confirm via phone or email. But Affirm 's phone agents says they can't do anything, email agents don't answer messages. This issue is stuck in limbo, avoid Affirm if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-05
Company: Experian Information Solutions Inc.
State: TX
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 CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. 


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 2023-06-30
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I filed an online payment with my mortgage company to be processed on XX/XX/2023. On XX/XX/2023 my account was debited for the mortgage amount via ACH. I contacted the mortgage company and they responded that I need to pay online, which I did and then stated I had paid over the phone, which I had not. This concerned me because at this point Im wondering if my account is compromised and maybe someone is stealing from me. They said they would get back to me but it has been over 24 hours and I have not heard back and I have to file a fraud report/wire fraud and alert my bank and this is causing undue hardship and financial stress. This cost me interest in my account as well as taking money before I am paid at work and against the dates I stated online. I am worried I am being stolen from and wondering when this will happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
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 requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-06-30
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX  I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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 information incorrect

Complaint:
On XX/XX/2022, I've received an alert from XXXX Credit  Report about this account name " XXXX XXXX '' and when trying to report it as a suspicious account, they told me that I would have to report this to the Credit Bureau XXXX I did report it to XXXX and after they conducted their investigation, they removed it from my credit report history. Though, it still appears as active in my Experian  Credit reporting that I'm still accused of late payments despite explaining to Experian that I've already contacted the company directly and they stated that I don't exist in their system. I even informed them that even XXXX removed it from my credit report. So after they conducted their investigation and they basically stated that there is no errors on my credit report regarding to that account. After multiple disputes about it, they believed that there is nothing wrong with it and at this time, I'm still being accused of owning a balance to that company despite not existing in their record which is affecting my credit score. I just want this account removed from my credit report since the company confirmed that I don't exist due to the information not matching and they believe that this is possibly some form of identity theft being committed and also with XXXX even confirming that they don't exist in my account so they removed it.

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 2023-07-22
Company: PREFERRED CREDIT 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation