BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

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 2017-10-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, EXPERIAN, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH 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 2017-10-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
TODAY XX/XX/XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX  AND EQUIFAX REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX # XXXX****. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS 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 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 2017-06-30
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:
Contacted XXXX and Equifax in XX/XX/XXXX; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by XXXX themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again.
My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXXand Charged off inXX/XX/XXXX. The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years.
XXXX and Equifax is in violation of the 2 laws and need to be held accountable, especially since they needed to settle in XX/XX/XXXXwith 31 state attorneys on inaccurate credit reporting information on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please refer to case XXXX also. Yesterday, XXXX XXXX, 2017, I received a response from XXXX in regard to my response to them on their claim that they were unable to verify my current address. 

In my response to them ( attached as exhibit on above mentioned complaint ) I specifically requested that they DO NOT provide me with my annual free credit report, as I wished to request that at a later date, rather that they ONLY use the information to confirm my current address. In spite of this, they issued my report to me, now making it impossible to re-request my report at a later time for free. 

In addition, I requested a credit freeze on my account and was issued a credit freeze PIN, which was confirmed by them in a letter sent to me via USPS mail. I am STILL UNABLE TO CHANGE MY PIN either online or via telephone, and I AM STILL UNABLE TO ACTUALLY SPEAK TO ANYONE WHO CAN ASSIST as I CONTINUE TO BE HUNG UP ON BEFORE BEING CONNECTED TO A CUSTOMER SERVICE REP. As a result, I am currently COMPLETELY LOCKED OUT OF MY XXXX ACCOUNT and I do not know where else to turn for assistance!!!!

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 2022-05-02
Company: ARVEST BANK GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the COVID pandemic, accidentally missed a payment on my mortgage. I accidentally forgot to click on the Submit button on the day before my payment was reported as delinquent. I have never been 30 days late on this or any other account in my entire life and, unfortunately, due to the stress of COVID, I accidentally did not submit my payment. Honestly, I thought I had submitted it and I don't know what happened. The mortgage company can review their logs and they will see that I was online on their website on the day before 30-day mark hit. I am deeply affected by this financially ( interest rates ) and I would like to apply for a better mortgage because this company has been excellent. The pandemic took its toll on many lives and I hope mine can be helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HRG calls me every single day for someone named XXXX XXXX. I do not know this person and I have informed them of this and they continue to call and leave robocall voicemails every single day at 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 2019-11-20
Company: Bread Financial Holdings, Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Victoria Secret credit card. I do not use it often ; however I used it in XXXX and paid it in full in XXXX. I made my payment online on the due date and I guess the payment posted on Eastern Time and therefore they considered it late and charged me a late fee. I called and talked to a rep either late XXXX or XXXX and she said she would take care of it ; however she never did and now I got another late fee. I called and spoke with a cust. service rep on XX/XX/19 and spoke to a supervisor who both would only waive one because " that's our policy ''. I explained that they really need to 'listen ' to my situation and not base every single customer situation on an in-house policy. If the rep would have taken care of the first one, I wouldn't have had the 2nd one! Anyways, I have asked to speak to upper management with Comentiy Bank and am told there isn't anybody else I can talk to. This is bogus and I would like it reversed. Based on all of the other stories I see on the XXXX, sounds like it's certainly their way of business. Very shady and crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card from First national bank of Omaha, which I have been actively using since the day I obtained it. I have always made regular payments to this card without ever being late or delinquent. 

I recently tried to use the credit card at a store but my card was declined, I assumed this would be some issue with the terminal there, so I paid using cash. 

Later I got a letter from the bank ( dated XXXX, 2017 ) saying that they observed some unusual activity on my account and they have blocked my credit card temporarily. I was also asked to call on a phone number mentioned on the letter to get this issue resolved. When I called the bank on XXXX XXXX 2017, I was told that they can not provide me any information or explanation as to why the card was blocked, and I need to fax them my state ID, SSN and a utility bill. They also refused to send me a written or email communication asking for these documents. 

I am not comfortable sending all these documents to the bank, I am also having a hard time making payments since the credit card no longer works. 

I would really appreciates if CFPB could look into this matter and help me get this issue resolved with the bank

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted XXXX which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XX/XX/XXXX ; the second one was onXX/XX/XXXX, and the last one was made onXX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send TransUnion evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. TransUnion sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.

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 2022-05-02
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:
In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I use PennyMac for my home loan, account XXXX. During the pandemic, I opted for mortgage relief in the form of forbearance. This lasted for approx. 15 months. Each month, I would check in and verify that the forbearance was still needed. The approximate unpaid mortgage at the time that the account entered forbearance was XXXX. Once my finances were back in order, I opted to defer these payments to the end of the mortgage. Undenounced to me, during this time I was incurring debt with PennyMac. These fees and/or interest was never discussed, authorized, or disclosed to me in any way ( again, I checked in at least 15 times where this was never brought to my attention ). At the conclusion of the forbearance, PennyMac shows that I owe approx. XXXX on the loan. I believe this XXXX XXXX dollars was added to my account under false pretense, without my knowledge or authorization. I called the company and spoke to a representative who said I was still collecting interest during the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
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: Personal information incorrect

Complaint:
TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.DIRECT LOAN SERVICE SYSTEM # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH 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 2022-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
Accordance with Fair Credit Reporting act XXXX Account XXXX XXXX and 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 : Its 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 2022-01-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I put in a complaint previously ( # XXXX ) about Mr. Cooper refusing to release to me monies I needed to cover a personal check I wrote to the public adjuster for their portion of the insurance claim check. They responded that they would release our money when we submitted certain paperwork to them. We submitted the paperwork but they are still refusing to release ANY money to me, not just what I need to cover the personal check. Part of the paperwork we needed to send over was a contractor contract which we signed and are now bound to but we can not pay the contractor without the insurance proceeds. So first they make us enter into a contract as a basis for release of the funds and send them over the contract but now that we have they still will not release any of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX/XX/XX/XXXX, Citibank had a checking and savings account offer whereby depositing and keeping {$15000.00} in the account for 60 days would make the account holder eligible for {$400.00} promotional bonus. 
I opened checking and savings account with Citi for {$15000.00} on XX/XX/XXXX and since then havent removed my {$15000.00} out of the account. I called Citibank helpline after 60 days of funding the account and the CSR said I have to wait for another 90 days before Bonus of {$400.00} gets posted to my account. 
I waited for another 90 days and called Citi bank on XX/XX/XXXX but they are refusing to accept the fact that I was ever eligible for a {$400.00} bonus. They say their system doesnt show any such promotion for my accounts and Im not eligible. 

They say they will 'investigate ' and have recorded a complaint and given me a complaint number : ( Service Request # XXXX ) saying their Client Relations department will reach out to me in 60 calendar days. 
My {$15000.00} amount is however still tied into the account although I could be earning 2.5 % APY in other competing bank accounts. 
I have reviewed thousands of similar complaints online from other account holders who are victims of Citibank 's fraudulent and non-professional treatment. 

Here are my account numbers for reference : -- > HIGH INT CHKG XXXX -- > Citi Savings Acct 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 2017-10-21
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: Account status incorrect

Complaint:
XXXX and Experian are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.

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