BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX/XXXX  -XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-04
Company: LendingPoint Holdings LLC
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you.

I have discovered a very easy, clear, and concise violation on one my collection accounts. 
On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.

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 2022-07-03
Company: ENOVA INTERNATIONAL, 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: Credit inquiries on your report that you don't recognize

Complaint:
From : XXXX XXXX XXXX To : NetCredit/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CEASE and DESIST Order I, XXXX XXXX XXXX XXXX a federally protected consumer, did not give XXXX XXXX D/B/A CEO of NetCredit, or NetCredit, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) t ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX D/B/A/ CEO of NetCredit and NetCredit to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX D/B/A CEO of NetCredit, and NetCredit to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX D/B/A CEO of NetCredit, or NetCredit fails to comply pursuant to 18 U.S.C 894a ( 1 ) ( 2 ), XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a Cease and Desist ORDER or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute.I will be forwarding this to the Attorney General, XXXX XXXX as well. 

With Prejudice, XXXX XXXX XXXX ( A Federally Protected Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to Experian to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but Experian has not responded to my letters. Please have Experian to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX 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 2022-06-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About three weeks after we signed a purchase contract in XXXX, XXXX  for a XXXX XXXX house at its XXXX subdivision in XXXX, California the mortgage lender Loan Depot told us we must sell our present home we occupy. 

We followed the right steps. 
1.We inspected the XXXX XXXX XXXX and chose XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX 
2.We paid XXXX XXXX to hold a model until XXXX XXXX lender of choice gave us a preapproval letter so we could then sign a purchase contract. 
3.We contacted Loan Depot because XXXX XXXX said it prefers to work with Loan Depot XXXX We emailed Loan Depot all of our paystubs, W2s, bank statements, credit authorization and what they asked for before they would give us a preapproval. 
4.In an email Loan Depot asked us if we would sell our home before we purchase the new home. We said no because of the Covid virus we didn't want potential buyers coming into our home. 
5.Loan Depot gave us a preapproval then we signed a XXXX XXXX XXXX contract.

6.Again three weeks later Loan Depot said we must sell our present home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX accordance with the XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Synovus Bank
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE FIRST PROGRESS SECURED CREDIT CARD IS NOT DELINQUENT. FIRST PROGRESS OWES ME MONEY. I CLOSED, MY ACCOUNT, WHILE MY BALANCE WAS LESS THAN XXXX DOLLARS. THIS IS A SECURED CARD, WITH A XXXX DOLLAR LIMIT. I AM OWED MONEY. FIRST PROGRESS HAS CHARGED-OFF MY ACCOUNT. FIRST PROGRESS STATES THAT I OWE OVER XXXX DOLLARS. FIRST PROGRESS SHOULD OWE ME, A LITTLE UNDER XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + Hunter Warfield, Per my XX/XX/2022 XXXX credit report there is a collection from your company listed I am unaware of and I am requesting its validation. 

Attached to this complaint are : - drivers license of ID as well as address - written complaint - screen shot of location on credit report Please have this investigated, and if it can not be validated, removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am XXXX XXXX, and I am the author of this complaint. 

Equifax has restricted access to my credit report, and through Annual Credit Report, com, and for months. 

This service returns no results, and even after verifying who I am with credentials, personal identifiers and verification of details that should be known and accessible to me. 

Must be noted, My Equifax works just fine. There is an innate difference in the views, data and reporting for consumer reports from ACR.com, and MyEQ.com. 

Must also be noted, that I am entitled to both, one of which I am paying for ( MyEq ). 

Please fix this view issue - and, print and mail a full credit report to the current address provided within this complaint - and none other. 

As you know there is PII data in the report, and that EQ itself, reverted current to an address from almost 5 years ago. 

Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I DO NOT live in XXXX NJ, the address is invalid - and not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for the Citi Bank XXXX XXXX XXXX XXXX that included a XXXX miles bonus and was approved on XX/XX/XXXX, since this date I have been monitoring my incoming mail to confirm receipt and avoid any issues. I have communicated to Citi Bank numerous times concerned about the delay in receiving my card and all they tell me is to continue to wait one more day etc. On XX/XX/XXXX I received a text message and a automated phone call stating that the card was returned to Citi Bank and to call them that my mailing address is incorrect. The many times I communicated with Citi Bank I had to verify my identity and my address was never an issue because it is recorded correctly with them. I called Citi Bank XX/XX/XXXX and notified them of the messages I received, the representative canceled that card and processed another card this time expedited for receipt in two days. I visited my Citi mobile app today XX/XX/XXXX and a new credit card number # XXXX was created and then I noticed that said " Account Closed ''. I went ahead and contacted Citi Bank once again immediately XX/XX/XXXX and reported this to them and the representative advised me that the previous representative I spoke with on XX/XX/XXXX did everything wrong and that he was going to contact customer service to assist and correct this problem and errors made to my account, finally I need to wait 7-10 days for an update.

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
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: Personal information incorrect

Complaint:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion has once more blocked me from getting my annual-credit-report.com and has also blocked me from getting my service.transunion.com report. 

I was waiting on this to happen when I posted a section of their reporting. 

Now, both Transunion and XXXX has blocked me from getting both online access and the federal government assured annual-credit-report.com XXXX seems to have not yet giving in to allowing third party control of my credit reporting. There is some allowance at XXXX, and that's why my score is not below that certain mark.

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 2022-09-23
Company: Duvera Billing Services, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This company is fraudulent. I was to be able to pay off balances within three months like cash. Due to a. XXXX  issue and loss of card 1 payment did not go through. One I realized, I immediately called and made payment. Then I called to pay in full and realized my balance was more than I borrowed? How is that possible. Now I am still getting billed after paying the remaining balance in full to be done with this fraudulent company. I borrowed {$2500.00} and have made payments every month since. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good afternoon. I recently applied for the Citi XXXX XXXX XXXX Credit Card, however I was denied without a detailed reason. The application ID is XXXX. I am writing today to see if someone can please contact me to go over any concerns they may have and fix whatever is causing this denial. I am confused that I got denied because I have XXXX credit score and can not seem to figure out why I got denied. Years ago I was a victim of identity theft and someone got access to my accounts and were making purchases etc. I reported this to all the credit card companies I did business with and all maintained great communication and immediately added additional security to my accounts to avoid anyone from getting access. To date I have not had a single problem with any of them. Citibank on the other hand had closed all of my accounts and I never knew the reason why, I simply assumed it had to do with the Identity theft, because I saw from a letter sent to me that one of the accounts was being mismanaged or something like that. I only wished someone would have contacted me when the unusual activity was taking place to review and put in place immediately additional security to avoid any damage to my credit with Citibank. I didn't know what was going on until I noticed that one day none of my Citi Bank accounts were appearing when using the Citi app on my new phone. Please I truly want to come back to enjoy the great customer service and benefits I was receiving. I am a strong believer that communication is key to success and solutions. I am attaching my recent credit card application and the old police report I was given when my wallet, laptop, phone etc. were stolen for reconsideration.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXXXXXX

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 2022-08-18
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2021. I incurred a problem with CHIME bank. I was asked to upload a copy of social security, a copy of my driver 's license, and a copy showing PROOF of residency. They changed my arm pin number without my consent. They blocked me from getting into my account.. Two days ago I sent several emails telling them to close my account. Every since then, I have been logged out of my other bank account. My accounts and email have been hacked, breached, and compromise. On their website they had false advertising saying they would never ask for personal information, when in fact they have. Certain documents and photos have been taken out of my emails I have saved for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-07-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXX, XXXX XXXX XXXX account Number 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 explanation