BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX , XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : 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 etc, 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 2017-06-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON  XXXX / XXXX /   17  AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON  XXXX / XXXX / 17  WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A   XXXX   XXXX   LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY  5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF  XXXX / XXXX / 17  WITH NO DOCUMENTS NEEDED. WE ARE NOW ON  XXXX / XXXX /   17  OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION  A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO  XXXX  AT  EXTENSION   XXXX  WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections need to be removed from my credit profile score ...   CBE group,  XXXX  collection

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-11
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
XXXX XXXX is reporting the date last active as XX/XX/2021, Equifax is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with Equifax but charged off that same month with XXXX? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX   XXXX   XXXX  posted a check for {$1800.00} to  Ally  Bank last week via express mail and it has still not been received by the Bank.   
The 1st check was returned and   I need this matter resolved.

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 2021-10-27
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
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:
Pentagon federal credit Union ran my credit and I never have applied for a credit union. I live in Arizona there isnt one here. Someone is using my social security number

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 2022-09-11
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX    XXXX   Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from  XXXX .   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2022-09-11
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
On or around XX/XX/XXXX, I received and XXXX report and notice they are inaccurately reporting Citibank an current open line a credit with excellent payment history as account in dispute. I have never contacted XXXX or XXXX and disputed my Citibank line of credit. In addition, XXXXCitibank refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold CitibankXXXX accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-03-31
Company: JPMORGAN CHASE & CO.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been receiving messages from someone that I suspect of impersonating someone else on my XXXX account XXXX and on my XXXX XXXX XXXX. They had me transfer funds {$200.00} to another individual through my bank account using XXXX. The recipients name is XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( 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 2021-10-27
Company: eMortgage Funding LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Below is my email to the company as the officer refused to continue talking to me on the phone to resolve the issue. 
Dear Mr. XXXX : On XX/XX/XXXX my husband and I signed a legal document provided by a Notary Officer from your company on the agreed terms of our loan to refinance our property at XXXX XXXX XXXX, XXXX, XXXX as discussed over the phone with an interest rate of 2.25 % for 15 years. This rate was locked and we had a plan to close at the end of this month. On XX/XX/XXXX your office called me that we will be closing on Monday XX/XX/XXXX and I demanded for the final documents to go over it before Monday. When the document was shared, I noticed that the rate was changed from 2.25 % to 2.27 % with no prior information. I informed XXXX about the new rate and he promised to contact you to find out what happened. I never heard from you or XXXX regarding my concerns, even in exchanged emails regarding the other property which will be a different topic, I continued to ask for explanations which you never put down in an email except for the XXXX documents asking us sign. Today, XX/XX/XXXX, I called you regarding the Closing and the interest rate that was changed, your explanation was that the lender/underwriter changed the rate when my loan was presented as a second rental property ( which you have all the details ) prior to providing us with the rate of 2.25 %. I told you that this was illegal practice because as long as my rate is locked, a lender can not change my rate as long as we closed at the agreed upon date. 

As soon as I told you the illegality of your action, you decided you were not going to continue to discuss with me over the phone not to implicate yourself and went ahead to void the XXXX. 

At this point, I am asking you to follow due process to reinstate my loan terms as agreed and take me to Closing by the end of the month. I have also copied the Consumer Protection Office of my county to seek a mediation first before any other legal recourse because I believe this is a federal crime. 

Many thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I applied fo r the American Express Blue Cash Everyday credit card. After 60 seconds my application was denied. I called into American Express for a reconsideration. After an additional 3 days of review my credit application was denied again. The reason for being denied was bankruptcy. On the rejection letter they cited   XXXX   as their credit information source for their decision. I logged onto my   XXXX    account that I use for continuous credit monitoring and looked on each line item on the report and looked on the public records tab and there is not a bankruptcy listed anywhere on my credit report ; therefore, I want to know how American Express is citing " bankruptcy '' as their reason for denial. I have excellent payment history and I have a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with XXXX but charged off the very next month? When was I reported late with Trans Union or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2022-09-11
Company: EQUIFAX, INC.
State: UT
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Global Lending Services LLC
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:
XXXX XXXX XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: ALLY FINANCIAL 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:
Ally financial XX/XX/XXXX. Fraudualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from 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 explanation