BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court 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 explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX XXXX  Account Number : 1948 Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital Systems is calling me 2-4 times daily - from different states and numbers XXXX they called 6 times- when I answer they hang up - today I got a summons to appear in court- they are suing me for a debt that is past limitations & that was negotiated and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For about 20 years I have had 2 checking accts and 1 savings acct with Citibank. I am a gold card customer for the last 15 years. I currently have a combined balance of over {$71000.00} in those 3 accts. During this time period my combined cash balance has been as high a {$300000.00}. I retired in XX/XX/2014 and my wife and I moved to the XXXX, but I have always kept a California address on record with Citibank. A review of my online citi profile shows my XXXX, California address. My current Soc. Security monthly payment covers only about 2/3 of our living expenses so each month I need to withdraw about 1/3 of our living costs from my Citi Sav. Acct. I do not have an I-phone. I only have a standard domestic ( XXXX only ) cell phone. If I have to actually place a long distance call to USA, it takes me about 1.5 hours to go into town, get a special phone card load, return home and place the call. 
In late XXXX or early XXXX this year I had to go online and ask Citi 's CHAT ROOM employee to help me " activate '' the new Debit Card Citi had sent to my XXXX address. I was treated very properly. I gave the Chat person a very good rating in the after service review. A few days later, I had to use the CHAT service again. I got XXXX and later XXXX  on CHAT. They treated me like i was a piece of XXXX during the CHaT call and I gave them a very poor after service rating. 
Shortly thereafter, someone put a block on all my citi accts, and I have since been unable to go online to get my money. 
I have gone to great inconvience and cost to call Citi twice ( most recently on XXXX ) to get the block removed, but they refuse to do so. I have tried the CHAt service several time to remove the block but they refuse. When I call XXXX miles to Citi in USA, they tell me my identify information does not match their file info so they refuse to help. The CHAT person keeps telling me to again call the USA phone number. I have explained to the CHAT people and to the USA citi people that I am going broke. Without the additional 1/3 living expense money, I can not pay my rent, nor buy food, or have the XXXX I need. 
They intentionally pass me back and forth between CHAT and USA people. This hiding of my money ( denying me access ) has caused me such stress that I need to see my doctor for my XXXX XXXX. This is now the second month that they have denied me access to my funds. And I can not use either of my Citi credit cards because citi cancelled them in XXXX, w/o notice, claiming that I do not have a USA address. I need the recommended XXXX but the hospital /doctor will not schedule it without advance payment, which I can not get because my accts are blocked. I am XXXX years old. I want and need access to my funds, not excuses that they can not verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Walmart credit card is charging me a late fee. This late fee should be waived. One time as a good faith courtesy. I received letter from them stating that I was UPGRADED. 
in XXXX of XXXX. I never used the card. When I did use it I was not successful. 
I attempted to make a payment on XX/XX/XXXX, XXXX. 

XXXX XXXX XXXX Unbeknown to my attention Capital one Walmart credit card had a block a fraud block! Not allowing me to make a payment. 

I for some reason unknown to me do not receive paper statement in the mail since XX/XX/XXXX. 

I tried to make a purchase and wa denied unknown to me why! 
This triggered me to call and contact them immediately as to why I am not being unsuccessful in using this card. 
Capital one walmart rep said I had a fraud alert on the account. 
I asked why, he gave me a vague scripted answer. 
He said any way you did not make a payment I said ok I will right now. I did so. 
Still would not waive the late fee. 
This is a injustice I should have been notified. 
email tex mail that I had a fraud and or a late fee. 
I would like the late fee reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NY
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:
For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent Experian, XXXX and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to Experian, XXXX and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX XXXX  XXXX  A/C XXXX XXXX XXXX A/C # XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX. XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) inquiry on XX/XX/XXXX Experian : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX inquiry on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on 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 2022-08-19
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage acquired our Mortgage ( # XXXX ) in XXXX of XXXX. Since then I have received almost monthly letters regarding the insurance for the Condo Unit. Until they acquired the mortgage, I had never had an issue with insurance for the Condo ( which we have owned since XXXX ). They are claiming that we did not have sufficient coverage for XX/XX/XXXX - XX/XX/XXXX and have charged XXXX {$700.00} for this time period. I have two issues with this charge. 

XXXX ) It was not clear what needed to be fixed until it was too late to get sufficient coverage and avoid them purchasing insurance for us. It was not until XX/XX/XXXX that I was informed by phone that I needed at least {$170000.00} of coverage, but only had {$160000.00}. In fact, I received a letter from them dated XX/XX/XXXX, that stated they had canceled the lender-provided insurance. 

XXXX ) The insurance they did provide is predatory. They not only insured for the total cost of the Unit ( {$400000.00} ), which is more than is required by Massachusetts law but also at inflated rates. Additionally, the condo for this time was insured by XXXX parties ( XXXX XXXXo Insurance, XXXX XXXX XXXX insurance for $ XXXX, and their XXXX insurance for $ XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CL Holdings LLC
State: OH
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:
Jefferson capital syst / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 XXXX XXXX XXXX AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: LEXISNEXIS
State: IN
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:
When reviewing my consumer reports from XXXX, XXXX, and XXXX. I noticed that there was a bankruptcy that was disclosed in my consumer file. When speaking to these companies it was stated that LexisNexis was responsible for disclosing this information to the consumer reporting agencies. It has come to my attention that LexisNexis has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). LexisNexis illegally obtained personal and private information from the XXXX database and sold it to other reporting agencies, including XXXX, XXXX and XXXX. 15 USC 1681b ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave LexisNexis permission to obtain, release, or report any information to any third parties. I sent a letter to LexisNexis on XX/XX/22 addressing these issues and the remedy that I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification with help from a non profit and completed all of the trial payments with PHH 3 DIFFERENT TIMES. The most recent was in XX/XX/XXXX. 

I have continued to make the payments while waiting to receive final docs that put my name to the property. and discovered that on XX/XX/XXXX PHH DENIED MY LOAN MODIFICATION for missing docs! But XXXX ever let me know any of this before XX/XX/XXXX! 

I called and was ASSURED they were ALL there by the first agent I spoke with when I called. I was on hold for 60 minutes while she checked! I asked to have a call from an account specialist because i wanted to be sure to know what i was waiting for and PHH is very crafty with their internal procedures and losing docs.. 

The second agent I spoke to who called me for my appointment on XXXX XXXX told me that was not true and that the first agent had not documented ANYTHING SHE SAID. 

She assured me that the docs were there and had been received on XX/XX/XXXX like I sent them. 

The second agent denies all of this and is saying I need to send in these docs and REAPPLY for another LOAN MOD. 

Are they there or NOT? He said that they were there but they needed another copy for the new Loan Mod? That is XXXX. 

XXXX NO I should not have to do another Loan Mod. This was my parents home for 45 years and I have been trying to work with these people when they were OCWEN in XXXX and now they are PHH and its XXXX! 

I am a XXXX woman and a XXXX  citizen and I want this resolved once and for all. 

This mortgage company seems to be run by scammers and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Affirm Holdings, Inc
State: MA
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: Overcharged for something you did purchase with the card

Complaint:
Affirm XX/XX/2022 delinquent loan for {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, paid the remaining balance on my {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Barclay, and called their customer service to request that the account be closed. Barclay initially did not want to close the account, but instead tried to sell me other services. It is only after insisting that I was told that the account was closed. 

Surprisingly, I continued to receive emails each month about an upcoming statement and charges due the following month, and each time I called Barclay to remind them that I paid the remaining balance, destroyed the credit card, and requested that the account be closed. 
Last week, I receive a notification about a delinquent account, and when I checked I noticed that Barclay had taken us to collection for XXXX dollar ( {$4.00} ) and that it has caused both my credit score and my wife credit score to decrease by XXXX points. 

Barclay never notified us of any balance due and again when I requested to close the account, the balance was paid in full. 

I have attached the latest email from Barclay stating that I have a minimum payment of of {$29.00} due on XX/XX/XXXX as proof of this nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XXXX I have disputed items on my credit report with equifax that have remained. I have also sent certified letters to the below companies asking the debt to be validated. It is my HUMAN RIGHT TO REQUEST THIS BY LAW. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Yet I have gotten a response from them with information I asked of like signed contracts and proof that this is in fact a valid debt. 

These accounts should be removed from my credit file as my rights have been violated. These accounts have not been validate by EQUIFAX yet they have remained on my reports XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Listed as medical ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Listed as medical )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: TN
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:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2022-08-19
Company: Grain Technology, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I recently got kicked out of the app to be able to make my pymt. I tried identifying myself by using there app and i have gotten nowhere, i also tried emailing and calling to get this fixed. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: LA
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:
Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX Account number 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