BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: LA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
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:
For the last 3 months I have been getting emails from Experian addressed to XXXX. Membership number XXXX. 
I called them to have this fixed and wanted clarification as to why my email is being used in connection to someone elses account. 
I even filed a complaint with the XXXX XXXX XXXX  that they ignored and never responded. 
They continue to go in circles citing consumer privacy, but they are using this as a shield to avoid real accountability. 
This person likely also wants to know that I am getting emails with their information and I want confirmation that this person is not getting any of my information- which Experian will not confirm. 
If this place is responsible for Credit scores and so much of peoples financial health- it is unacceptable to have such irresponsible practices! How was this email ever confirmed? How was this account opened? When I filed a complaint and talked to them - why wasnt it fixed?

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 2023-03-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2023 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have spoken to XXXXXXXX XXXX  Fraud Dept XXXX and they advised me case # XXXX for account # XXXX should not be reporting as late ( {$140.00} ) and the account is closed. 


XXXXaud Dept. XXXX  Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Affirm Holdings, Inc
State: MI
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:
AFFIRM XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX in XXXX of XXXX  or XXXX. I never received the merchandise still til this day. I contacted Affirm after I paid off my loan with them and explained the situation to them. Affirm told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted Affirm several times via phone, email and XXXX still no luck. I reached out to my FI ( XXXX XXXX XXXXXXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. Affirm sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on Affirm behalf. Then Affirm popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with XXXX and they keep knocking it down. Affirm has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to XXXX and have no problem submitting it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$8500.00} deposit to my Bank of America checking account on XX/XX/XXXX via online banking remote deposit, the check I deposited was also drawn on Bank of America. Bank of America but a large dollar hold on the check systematically at the time of deposit for 7 days. All funds of the deposit were held until XX/XX/XXXX. I called Bank of America on XX/XX/XXXX to inquire why a 7 day hold was placed on a check drawn on the same financial institution and was informed that per Regulation CC the system automatically applies the hold and that no one at the bank can release the hold or review the deposit. My account has been open for over 10 years.

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 2023-04-11
Company: CITIBANK, N.A.
State: CA
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 just got a new CITI BANK credit card and after I activated it I tried adding it to my XXXXXXXX XXXX  and I got a message to call customer support which I did and surprisingly it was an XXXX man I could understand his XXXX accent but I gave him all the information about my account he requested but was told my phone number registered on the citi bank account cant be use as verification if I have another phone or a relatives phone number which I find very strange and i simply no thats the only number on my account. He then ask me to wait for Snail mailed letter for 10days which is entirely frustrating and my card payment schedule is on the XXXX of XX/XX/2023 as stated on the account If I cant make payments on time it will definitely affect my credit report and thats a nightmare Im trying to hard to avoid. As it is now my credit card has been lock for no reasons and Im filing this complaint to get my credit card back unlocked and to avoid future transaction declined from the CITI BANK poor system management. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 XXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the erroneous late payments that were reported by Nationstar/Mr. Cooper via the credit bureaus but they responded promptly stating the late payments were accurate. I have documents from my banks indicating payments were indeed drafted and within the 30-day period each month. I have forwarded documentation to the credit bureaus to verify the reporting is inaccurate but Nationstar/Mr. Cooper has not even attempted to review the data or consider the possibility they may have made errors. In fact all they did was change the month the late payment was posted in. Another concern I have is I was charged late fees almost every month of 2019 even though my payments were all posted within the 15-day grace allowed by XXXXationstar/Mr. Cooper. Three times in 2019 Nationstar/Mr. Cooper completely reversed payments on their system and removed the funds from my payment balance when in fact my bank has validated the payments were drafted successfully. If this matter is not resolved after this filing with CFPB I will proceed with filing with XXXX for possible transaction fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The home at XXXX XXXX XXXX was purchased about 22 years ago by XXXX, mother of my deceased wife XXXX. When Mrs. XXXX died in XXXX, my wife, as the beneficiary of the home and legally under XXXX XXXX XXXX was the Successor In Interest, attempted via her estate lawyer, certified mailings and multiple telephone calls, to complete whatever documents were necessary to transfer the remaining mortgage to her name. 

Repeated attempts by both our lawyer and my wife over XXXXEE YEARS failed to get the company, New Rez to forward the necessary papers for the transfer. Mrs., my wife of XXXX years, died unexpectedly in XXXX, XXXX. The documents for the mortgage transfer arrived 3 days after her death. 

Today, I am the technical Successor In Interest. I too have had multiple challenges getting to the correct people at New Rez even when I ask to speak to the person who signed the documents that arrived after my wifes ' death. That person never returned voicemail messages or bothered to call. 

Finally, a few weeks ago I received a letter that did not clearly explain the steps I must follow to make the change but clearly stated I have 30 days to act. They take over 1,000 days to act but I must act in 30. Well, I may not make that time line. Life changes when your spouse dies. I went back to work, was in the process of remodeling the house from top to bottom, started building our retirement home 100 miles from the house and really don't have the funds to hire a lawyer to do the work. 

The lack of action on the part of New Rez has cost thousands in legal fees, enormous emotional stress on my decease wife as she had to relive her mother 's death with each conversation to New Rez and we both feared some type of mortgage cancellation since it appeared that New Rez was purposely prohibiting us from securing the mortgage. We also waited patiently for New Rez to act so that we might refinance the mortgage to a rate less than half of what the rate is. 

My trust in the company is zero and I suspect that even if I send the correct forms and evidence they ask for it will be lost repeatedly so that they can ultimately try to take the house even though the check for the mortgage has had my name on them for the last 20 some years. 

I'd like some supervised guidance so that this issue gets done according to law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2023 i received a letter from my bank telling me that the net monthly payment went up from XXXX to XXXX so we talked to the company and they told us that the escrow account balance is up and we have shortage too. 

so now they asking me to pay every month another XXXX extra. and there explanation that the county tax went up and the insurance too. 
and they don't offered any help about. they didn't show any document to support what they saying

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 2023-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Bank regarding my account for social security payments sent back to sender and lump sum payments SSI and SSDI never received.XXXX Fifth third bank, XXXX, Ohio XXXX never got IRS payments.Same with SSDI violations. Sent back to payee in direct deposit XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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 and XXXX  Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX  # : XXXX XXXX XXXX # XXXX and XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX INT # : XXXX XXXX XXXX # XXXX and XXXX 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 an 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