BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus are illegally reporting inaccurate information 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 explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have received letters/emails from several companies stating that they have denied my application. 

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXX was a Hard inquiry through XXXX. They also have been notfied. I have changed most all of my passwords for various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: KEYCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Key Bank allowed mortgage information extended to vendor XXXX XXXX. Personal information was compromised. They sent notice of vendor security incident letters to me and my wife. We are supposed to get two years of XXXXXXXX XXXX XXXX free. The only way we are being allowed to get this monitoring is if I have a smart phone which I do not. I informed them of this and reiterated they should allow me to get this credit monitoring through my email address. so far after saying they would address it and the end of XX/XX/2022 they have ignored me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MS
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 am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of XXXX  etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name  : XXXX XXXX, XXXX. 
Account NumberXXXX There is a late payment for XX/XX/2022, which is inaccurate. XXXX changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that XXXX only accepts federal notes in person for my credit card. 

XXXX has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

XXXX has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

Experian and XXXX are violating 15 USC 1681B and 15 USC 1681C. Experian does not have my consent to report without my written consent, and they are false reporting.

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with XXXX XXXX  at any time, look at the history.

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 2022-10-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an XXXX XXXX checking account along with other types of accounts with PenFed Credit Union. There was a purchase of {$19.00} from a bakery that was supposed to be charged into my credit card account but ended up in being charged into my checking account by mistake. In the checking account, I always maintain a balance of {$500.00} to ensure the account in a good standing and never intend to use that fund for purchases. The bakery purchase lowered the balance of the checking account below {$500.00} threshold for a few days until I noticed the issue during a routine mobile app check. Then, I transferred the money from my saving account to my checking account to ensure the balance is restored back to be above {$500.00}. The transfer was made in the same billing cycle. The average daily balance didn't fall below {$500.00}. However, at the end of the billing cycle, that was a service fee of {$10.00} was charged into my account without any warnings. There is no feature of any sorts to alarm the users of the balance below a random limit that would trigger this fee. I contacted the customer service twice to explain the situation and asked them to reverse the fee given that was a mistake and I did correct the issue as soon as I noticed. However, the customer agents said this fee was applied by the computer and they couldn't reverse it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
When researching the collection agency, IC System, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact IC System and instruct them remove this debt from my credit reports. 

RE : IC SYSTEM - NMLS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Thank you. 

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 2022-10-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent a letter of validation return receipt requested which they received XXXX XX/XX/22. They did not respond with all information within the 30 days allowed. therefore they must remove it from my credit report. They have instead reopened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Trans Union hasnt been reporting any credit and has no credit history under my social number. Ive called and they said theres nothing they can do because theres simply no one reporting any credit at all to them. This is now interfering with me getting a auto loan because they are the only XXXX who saying I dont have any 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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
The following XXXX accounts were removed by XXXX and XXXX based on my identity theft case which occurred to me a few years ago. However, these XXXX accounts are still being reported by TransUnion. I attached the fragments of my latest credit report showing which accounts are still being reported against my will. On my part, both of the creditors were contacted about the identity theft issue and they took a note. I communicated the same to TransUnion credit bureau, however they have not made proper adjustments to my credit report by removing these XXXX accounts. Therefore, I'm here asking for your help in this matter. Please assist me in this dispute.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm resubmitting this letter to follow up with the dispute I filed over a month ago, I hope your company is now investigating this matter.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-10-23
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 was informed that my credit card had the suspicious activities by the credit company on XX/XX/XXXX, but at that time it was reported I found out there were XXXX unauthorized transactions already in 2 days, the total amount of {$560.00}. 
Right after that I disputed the charges and canceled that card and received a new card. 

But sometime at the beginning of XXXX, I received the letter says the case had been closed because the credit card fraudly used was under my possession, therefore they didn't consider that fraudulent activity and I am the one who is responsible. 

On XX/XX/XXXX, I visited one of their branches and discussed about the fraud and dispute, but it didn't get any better. I was told they're not able to escalate or to reopen the case. 

On XX/XX/XXXX I filed the police report for credit card fraud and requested the card company to reopen it. I also explained the old card with the same number I cut out and discarded in the trash could be duplicated and used by the suspects. 

They said they will reopen the case and continue the investigation. But even though I was told and received the letter during the investigation I didn't have to pay the amount, they charged both late fee and financial charges on my account on the due date as if I was the one who used it. 

Their customer service keeps calling me and emailing me to pay for the amount because online status hasn't been updated and some of the disputed amount had already been deducted from my bank account automatically. 

I'm still highly doubtful if they really reopened the case and still investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a used car from XXXX XXXX in XX/XX/XXXX, refinanced loan in XX/XX/XXXX with new refinance company. Sold used car in XX/XX/XXXX. 


XX/XX/XXXX, contacted warranty service company to cancel contract XX/XX/XXXX : XXXX XXXX XXXX explained check would be sent to dealership XX/XX/XXXX : filed for a warranty service contract refund with dealership XX/XX/XXXX : contacted sales agent, they said it is in process XX/XX/XXXX : contacted sales agent, said they would get back to me XX/XX/XXXX : left voicemail to finance manager- never contacted me back XX/XX/XXXX : called finance manager again. No reply XX/XX/XXXX : reached out to sales agent again, said they would get back to me XX/XX/XXXX : sales agent explained check was sent to new refinancing company XX/XX/XXXX : contacted new refinancing company and they have no record of any check being recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The sell price for my house went from $ XXXX to $ XXXX just before close. We ended up paying taxes on the $ XXXX amount hence the overpayment. 
The bank was aware of this yet i had to call and request the overpayment. The CSR started that they wait 30 days before they disburse ... which i stated was already beyond 30 days. She took my address information and it was my understanding that a check in the correct amount would be sent to the address i just gave to her. I check on mail periodically that still goes to the house i just sold and a check was there even though I gave the CSR my new mailing address. 
The check was for {$3800.00}. There was no backup or breakdown as to how they even came to this amount. I sent them a copy of the Settlement Statement showing the amount should have been {$4500.00}. I emailed the payoff department on XX/XX/2022 informing them of the difference in payoff amount of {$710.00}. I tried to call to check on the status of my concern with no luck. The phone app didn't seem to work. I enter the information the app requested and although it's correct the app didn't recognize it and drops your call... very frustrating. 
I will attach a copy off the check they sent, the Settlement Statement they should have used to disburse and copy of the email sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CA
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 sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 of 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 these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
In accordance with the United States Code A consumer is entitled to 100 % accuracy on a consumer report. After reviewing my report Fair Collections Account # XXXX is reporting inaccurate information on my consumer report. My open date is different on all three credit bureaus, my Last Reporting date is incorrect on all three credit bureaus also my last active date is incorrect on all three credit bureaus. I would like for this account be removed as it is causes me financial harm and my family financial stress. I am unable to obtain a home because of this account and it 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 2022-08-24
Company: Affirm 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:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, yu have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AFFIRM INC . 
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

Company response to consumer: Closed with explanation