BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We feel that we are being treated unfair and that there are deceptive practices happening with the  1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you  XXXX   XXXX  and  Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy. 

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: BARCLAYS BANK DELAWARE
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
DEAR XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I accepted a promotional 0 % interest for a {$11000.00} transfer. I entered my credit card information correctly but they transferred the money to someone elses account. I reached out immediately and was told several different things. The dispute took almost 2 months and they never reached out by phone email or mail, but closed the dispute. had I not been calling every week I wouldnt have known. They closed the dispute stating the money was transferred correctly to someones XXXX  loan.I do not have a XXXX  loan. I called and spoke with 7 different people over the last 2 months and no one could help me or send me to anyone who was working on the dispute.

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 2021-12-14
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently swindled into thinking my PayPal was overdrawn in 2019 and was sold to these guys who sent me a letter. Upon contacting XXXX XXXX XXXX questioned where the charges came from as PayPal typically withdraws immediately and literally no one couldnt tell me why, rather, they kept saying that I was requesting validity so I went with it. Furthermore, I contacted PayPal and they stated it was true that I had an account in 2019 that was sold to XXXX XXXX, however, PayPal could not see any details as to why or how my account went overdrawn and was informed that all information is no longer viewable through PayPal and ALL information was sent to XXXX XXXX. I once again call XXXX XXXX and was transferred to a compassionless woman who stated she didnt need to provide validity and continued to condemn me for not making payments on an account I had no knowledge of and ended the call ( what XXXX XXXX ). Ive never owed anyone so I payed the balance the same day as these calls ( XXXX hours of back and forth ) and received a letter today dated XX/XX/XXXX stating Based on your stated dispute we have ceased collection on this account. 
I contacted XXXX XXXX and spoke with a XXXX ( rep ID XXXX? ) to request a refund due to not be able to validate debt and he denied my request for a refund asking me Are you saying this isnt your debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: GA
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Transunion I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX XXXX Service Member Currently XXXX to XXXX since XXXX XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

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 2017-04-18
Company: DISCOVER BANK
State: AR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Good morning, I added my husband as an authorized user on  XXXX  of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his  credit score,   and as we pay off bills the records of these  XXXX  cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I tried making a payment on my Macy 's account via the app on my cell phone. The payment did not go through, saying I couldn't make less than minimum balance which was over {$1400.00} dollars and I was only paying {$75.00} on my account. My payment was not due until next month, I wanted to pay in advance. The payment never went through so I could not complete the payment. A few days later I received notification that my payment posted of {$1400.00}. 

I called Macy 's on XX/XX/XXXX to inform them that the payment was posted in error. I spoke with XXXX who said I made the payment with my bank account on the app. I told her I did not make the payment. I asked for a supervisor but she told me the supervisor would say the same thing. I insisted on a supervisor and she placed me on an extended hold but no supervisor came to the phone, I hung up. 

I called back today XX/XX/XXXX and spoke with XXXX for assistance. She said the same thing as XXXX, I asked for a supervisor and she continued telling me that I needed to wait XXXX days before they could refund the payment. I asked her if she heard that I was asking for supervisor and she said the supervisor would say the same thing. I asked for a supervisor again and was placed on hold for XXXX minutes before a supervisor by the name of XXXX came on the line. He asked me what I wanted him to do about the payment. He said they could reverse it after XXXX  days or refund it. I told him that the payment was an error and I did not complete it. He continued with the same resolution. 

Since, I wasn't getting anywhere with the reps by phone, I sent a few emails via the app secure messaging system. I received notification back that I should call in for help. 

Due the bad customer service I am receiving from Macy 's I had no choice but to try to resolve outside of them. This erroneous payment is causing me NSF charges with my bank. Macys need to reverse this payment because it was their system error that caused the problem. I have been a customer for almost XXXX years and have never had this issue. Anytime you make a payment online, an email confirming online activity is sent but I did not receive that for this XXXX payment.

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 2020-10-07
Company: Experian Information Solutions Inc.
State: KS
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 never authorized this company to open an account. I have tried contacting them, disputing this with the credit bureaus and they have done nothing. I never opened this account, they claim to help build credit if you secure a {$500.00} deposit. Then you can barrow against it, I never asked for this, but they will not adhere to my demands to remove this from my credit report. 
I have never made any agreement or acceptance for their service. I have never paid on this, nor have I ever asked for this. Please help This account was closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$550.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance $ 550 Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 11 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 Days Late Worst payment status 60-89 Days Late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-01-04
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: IL
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:
I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX  and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a used car from  XXXX  in Nevada and they created a retail installment contract and sold it to or made i t Capital One Auto. I fin d this relationship to be inappropriate at the least, incestuous at the worst and definitely illegal in the state of Nevada.  XXXX  is not a member of any Nevada  State Financial Institution . The contract was between  XXXX  and not Capital One Auto Finance and according to Nevada law a vehicle finance business must be licensed under  XXXX   XXXX  and  XXXX   XXXX . Making the original contract one entered with  XXXX  and not  Capital One Auto  to enforce any repossession as the seller was  XXXX . This incestuous relationship limited me from the appropriate selection of loans as  XXXX  only offered Capital  One Auto option creating wealth for the dealership and Capital One  which is also illegal in Nevada.  Capital One  extended the loan which also changed the original due date but the installment or electronic payment was recently voided without my consent. I specifically said on a recorded line that I did not authorize this change. This brings to the forefront the illegal actions of reporting false information to a financial institution, a federal crime that was repeated twice by  Capital One Auto.  The stipulation of the original contract are no longer enforceable. I am requesting the recording of this false documentation to be played in order to prove the lack of scruples on behalf  of Capital One Auto. T his is all illegal in the state of Nevada and also highly illegal on the federal level. The retailer taking profit from loan, the denial of my request for my loan information during a transaction verification call is against Federal Reserve  Law,   Financial Modernization Act, Equal Credit Opportunity Act and Truth in Lending Act.

Company response to consumer: Closed with explanation