BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage double dipped my bank account and took two mortgage payments when only one was authorized. They are stating the burden of proof is on me even though they 've acknowledged the error on their part in multiple recorded conversations on XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was originally a new customer with Citi Bank and only had the account opened for a few weeks and right after I got my second deposit from my job Citi Bank decided to close my account. Then went to inform me that they couldn't give me any other information in regards to why or even what happened to the account and that a check would be issued within 30-60 business days, I still have currently {$800.00} dollars in the account that I have absolutely no access to as if bills just stop and here it is 30 business days in and no new information, no check in the mail I'm pretty sure no check will ever come. I've called and tried to receive any updates and they keep hanging up in my face or putting me on hold, and also told me wait an additional 60 business days, I also tried contacting a branch to see if they had any info they could give but the bank manager answered the phone and straight up told me " Citi Bank picks and chooses who they want to bank with and it's not you " and hung up the phone in my face as well. At this point I'm out of options and I need to figure out how to get my money back from this fraudulent bank. I am not the first victim of this exact issue, this is something Citi Bank does on a regular basis I just wish I new before banking with them and trusting that my money would be safe.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: MD
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 account XXXX  # 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

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 2022-07-06
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''

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 2022-07-06
Company: CITIBANK, N.A.
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The bank is not disputing my charge and this has been happenning for over 2 months now where we are getting different answers every time we contact the bank. 

This charge is from XX/XX/2021 where this company where we bought the product estimated a delivery of 7 months. Time has passed and we still dont have the delivery, they took our money and now they are not refunding us once we decided to cancel the order. The company must know the bank rules on disputes and they are scamming several customers with that. They wait until the time frame for disputes is reached and then they never refund our money. They keep stating on emails that the billing team is processing the refund but this has been happenning for almost 2 months now. Citi has been taking my dispite over the phone and ibe filed at least 10 tomes already. The last time they told me to mail everything in on the dispute since it was over a year old. I have never received the item and this company is about to go out of business and they are trying not to keep their word of allowing cancelation for ANY REASON until the item has shipped. The item has not shipped and it was originally due around XX/XX/2021. Then they delayed it a few months to keep us on the hook. Citibank is not protecting me as their customer and I used a credit card for this reason so i dont end up loosing my money. Citibank also had me on hold for XXXX minutes and then the lady came back claiming she couldnt hear me. Very convenient for her. I just asked to speak with a supervisor The Citi Bank has given us different answrs on the phone and now they are stating that they can not dispute a charge that is over 6 months.

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 2017-08-19
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )

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 2017-08-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed for bankruptcy chapter XXXX, in XX/XX/XXXX. The bankruptcy was dicharged XX/XX/XXXX. I have my paperwork with me for proof. XXXX, XXXX have been reported with my bankruptcy. Although, Experian has not report on my credit report for my bankruptcy. How is that two credit bureaus do report for my bankruptcy, but not experian makes no sense. First, I called and I was told they have not been informed of my bankruptcy, so I mail in the diacharged papers of my bankruptcy chapter XXXX called and confirmed that they have received the paperwork and will proceed on with what needs to be done in the process. Call a month later still has not been resolved or has been reported on experian of my bankruptcy, call the following month still experian has not updated my credit report for bankruptcy ask to speak with a supervisor, I advised bankruptcy is a publi record and they can see I have filed for bankruptcy chapter XXXX  she confirmed that they were able to find my name on the public record for chapter XXXX. They gave me an excuse of well we get a a bundle of people of that file bankruptcy so we must of missed your file, and when they were aware of my bankruptcy my file was already closed but they were never informed I went through bankruptcy it does not make sense!!! At all its horrible not accepting they drop the ball at all, just admit we drop the ball and made a mistake we will fix it but no now they want me to call the courts and find out how they reported or file my bankruptcy im not doing their job for them its been five months experian is not willing to help me giving me the run around no phone etiquette at all!!! Not willing to help!!! They have access to the court records!!! This is bad reporting and obviously dont want to correct their mistake!!!!!!! I will contact my lawyer is this is not resolved i have called for the past week constantly and no help at all just giving me so many excuses

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 2022-07-06
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: Information belongs to someone else

Complaint:
My name is XXXX, and I have been a victim of identity theft. Someone has stolen and used my personal information to open an account with XXXX XXXX XXXX on XX/XX/2016. I don't know how this person got ahold of my personal information but I am sure I have never given anybody my personal information nor have I given anybody to open this account on my behalf. I have tried to fix this with the credit reporting agencies as they're the only people still reporting this account to me. I have verified with XXXX XXXX  XXXX and have a letter confirming that this account doesn't belong to me but Experian is still reporting it to me and will not block and delete this account of my report, even tho all my documents are valid as stated by a supervisor in whom has requested these documents.

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 2022-07-06
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a certified letter to Equifax disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX  # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, Equifax has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX  which is a result of fraud since I did no authorize such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
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:
I disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.

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 2022-07-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This is a follow up of the previous complaint with number : XXXX that was filed on XX/XX/22. The following information that is still incorrect on my credit file that is evident when mortgage lender pulled my report includes : Name : As highlighted on the Experian credit report : XXXX XXXX My name is XXXX XXXX XXXX as my name is verified with my drivers license. 

Addresses incorrect : XXXX XXXX XXXX XXXX NC XXXX This is not my correct address I have never changed my drivers license in 20 years Employer Incorrect : XXXX XXXX XXXX NC. 
I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Employer Incorrect : XXXX XXXX I do not work for this employer. 

Incorrect information of loan paid off as agreed XXXX XXXX XXXX It was paid in full as agreed.

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 2021-12-22
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About a month ago, a collection company started calling me every day abt an apartment I leased They said I owed {$2100.00} They never sent any written documents or emails, just calls They put the debt on my credit report and when I tried resolving it they wont let me do a payment plan They want to put everything on my credit card at once. 
The agent was forcefully threatening to not allow me resolve it again if I end the call to speak with my lawyer He was asking me to ask my credit card company for increased limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX ACCOUNT # XXXX is reporting as a delinquent student loan account across all 3 bureaus experian, XXXX and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX in XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

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 2022-07-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, JPMCB Auto Finance, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.

Company response to consumer: Closed with explanation