BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2020-03-12
Company: KEYCORP
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My company financed a vehicle in XXXX with Key Bank, and have never been late. In XXXX of XXXX I called to get the payoff, and made the payment. I took out another loan with them for another vehicle a couple of weeks later, and in late XXXX I started getting collection calls. Originally I thought there was some mistake, and they were talking about my new loan. I was getting two or three calls on three different numbers, and sometime there was no one on the line. In XXXX I spoke with someone in the collections department that told me when I thought I paid off the loan they hadn't given me the full amount with {$27.00} in interest. He said he was going to put me on hold, and speak with customer service to have them waive it. After 45 minutes he disconnected the call. There has been several calls back and forth that have ended with them disconnecting the call. Finally out of frustration I paid them the first week of XXXX, and thought it was over. On XX/XX/XXXX I got a Certified Letter with a Right to Cure for another {$28.00} that they want. They've put it on my personal and business credit reports with my score dropping 30 points. I now have until XX/XX/XXXX to pay them or they are coming to get my van.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Fairway Independent Mortgage Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a  XXXX  days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed  XXXX  month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the  Mortguage  office, told me the  appraiser  was aware if the asking price prior to the indpection. The mortugauge  officer  also called me and strongly pressured me to accept the price and close on my sale today  XXXX   XXXX    XXXX  . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Request for Mortgage Assistance was submitted on XX/XX/XXXX to CitiMortgage. Citimortgage confirmed receipt of the request on XXXX XXXX via email, hereto attached. A formal missing documents letter describing the list of documents needed to complete the package was not received within 30 days of the submission. Citimortgage has requested different documents over the span of 6 months rather than provide the client with XXXX concise list of pending documents as directed by HAMP and the CFPB. Citimortgage has not evaluated the client for HAMP within 30 days of receiving a complete package as required. On XX/XX/XXXX assigned representative stated the file was complete and in review. Citimortgage did not decision the loan yet again requested additional information on XX/XX/XXXX, then a different request for documents on XX/XX/XXXX and yet again another request on XX/XX/XXXX. Citimortgage has continued to request documentation in pieces rather than XXXX list of all required documents necessary to facilitate the review of the file for HAMP. The borrower 's review process has been unnecessarily been prolonged due to Citimortgage requesting seperate documentation of the span of going on 7 months. The client has another sale date scheduled for XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2020-03-12
Company: CITIBANK, N.A.
State: TX
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:
I do not agree with Citi Card 's merchant favor dispute decision and am filing a complaint. I would like Citi 's decision reversed and credit {$300.00} back to my card. 

I purchased {$300.00} XXXX card from XXXX 's website for my mother-in-law 's birthday on XX/XX/XXXX. However, after receiving the XXXX card through email, I noticed the gift card was not valid to use on Friday, Saturday, or any holidays. So, on the same afternoon that I purchased the gift card, I tried to cancel this transaction immediately by calling XXXX restaurant ( the number on the website where I purchased the gift card ), however, they informed me that they don't handle online XXXX purchases. This is done through a third company. The restaurant manager stated they have no way of communicating with them. She suggested I cancel the transaction or dispute charge with Citi Card. I followed her advice and started the dispute with Citi. I provided them with all information and documentation, and on XX/XX/XXXX, they resolved and closed this case in favor of the merchant. I have no idea why Citi sided with the merchant. I did not use the gift card, and there was no way of contacting the gift card issuer or returning the gift card. The virtual gift cards were emailed to me, and the sender 's email address is XXXX. These noreply email addresses are not monitored, and it's useless to reply back. 

I would greatly appreciate CFPB 's help in getting {$300.00} credit back to my Citi 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 explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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 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 account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-15
Company: EQUIFAX, 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 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 account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
There is an item on my credit report that I have disputing for months now with XXXX. This is not my debt. 

The item in dispute is attached in the document below, along with tax documents proving my address at time of " debt ''

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a letter to Transunion informing that there are several unauthorized credit inquiries on my report and that they should be removed. To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX 5. XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Personal Information Incorrect : Previous addresses are incorrect on all three credit reports.

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 2022-03-22
Company: EQUIFAX, INC.
State: TX
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:
The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes Equifax, XXXX or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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

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 2017-02-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: DC
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Premium Credit Bureau
State: MS
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:
An unauthorized inquiry from XX/XX/2020 is appearing on my credit report and this company refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: FISERV INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made a purchase though XXXX for some items with my checking account. I received an email from TRS recovery service on XX/XX/XXXX advising me that the payment did not clear. I checked the error and realized I provided my saving account number not my checking. I then called TRS recovery on XX/XX/XXXX and made a payment of XXXX to resolve the issue the payments where broken up into two separate charges one for XXXX and the other XXXX. Those payments were withdrawn from my account on XX/XX/XXXX, I attempted to make another purchase from XXXX on XX/XX/XXXX and was advised my account was still on hold with TRS recovery because a payment was never received even though the payment was withdrawn on XX/XX/XXXX. I have can TRS recovery numerous of times since then and have only gotten the run around I was told to call XXXX, call your bank we dont show we have it your bank sent the payment back on the XXXX but I made the payment with my debit card and also spoke with my financial institution and they shown nothing has been returned and the payment was intact withdrawn on XX/XX/XXXX. I was then told by TRS recovery that I would have to file an appeal which would take up to 30 days for a review ( meaning I would have to spend more time and money into an issue that hasnt been resolved on their end ) and to fax in the appeal.

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