BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

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 2019-05-11
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX, Cash App, and Square XXXX  are all money transfer applications that I have never used before in my entire life. These companies authorized fraudulent transactions to go through without even allowing me to give them permission. These charges began to appear randomly on my bank statements totaling XXXX XXXX dollars, which is a federal crime. These transactions began on XX/XX/2018 and finally stopped after I constantly complained to my bank trying to prove it was not me. They started with small amounts and escalated very quickly. They varied anywhere from {$50.00} to {$3000.00}. XXXX XXXX, my bank, did not let me know of any of these transactions which is strange because they always notify me of even the smallest transactions I personally make. They also did not do a full 10 day investigation because they considered it too unusual. I was forced to start calling the vendors myself, but have failed in being able to reach XXXX, Cash App, and Square XXXX. These companies have committed a federal crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account on my credit report listed as a COLLECTION account with this company. I do not know anything about this account and it is NOT my account. I have requested a copy of any and all contracts that they have possession of in order to dispute the documentation. This is IDENTITY THEFT and FRAUD. I have NO CONTRACT with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: NJ
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:
Macys is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be removed

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 2019-12-11
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

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 2017-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2021-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was online and paid my normal payment for XXXX of {$1000.00}. Then the account showed my XXXX payment of {$1200.00}. I was shocked to see the increase because I was not made aware of a escrow analysis. I signed up for electronic statements early on because this company was charging a extra {$5.00} if I wasnt paperless. I searched my email for all items from PennyMac and never received any correspondence stating I had a new statement available or a new document available. I have several months of emails stating my payment was received. The customer service rep said that I should login and check my statements every month. Why do I need do something like this when I dont even know when the statement closes? Every other paperless company I deal with sends me notices to my email when statements are available or new documents. This lack of communication did not allow me time to get funds together for the escrow shortage. Now I am being blindsided with a extra {$200.00} payment that I didnt have time to plan for. I logged in the app to try to view the statement and also on the mobile website on my XXXX and couldnt even view the escrow analysis or any statements. The rep tells me I need to use a certain browser or login to a desktop. This is crazy consider most people conduct business from their cell phones these days. It felt like the rep was blaming me and providing me a bunch of ridiculous options. I did not choose this loan servicer. I did a refinance and found out after the fact that my loan was sold to XXXX aka PennyMac. I wonder how many other people had this issue and was told the lack of communication from PennyMac is our fault. Also since they were my new loan servicer, they never communicated in writing in advance about the {$5.00} charge for paper statements. I found that out on the app when trying to make a payment. These are deceptive practices and can be crippling to peoples finances especially during Covid when many people are already struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient. They keep on calling me when i have stated i dont make enough to pay back my loans. Its very harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: IL
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 can not get my credit report from experian

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 2022-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 has violated my rights .

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

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

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 2018-04-12
Company: Experian Information Solutions Inc.
State: MO
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:
After multiple attempts and going through the credit bureau, XXXX XXXX continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years!

I refinanced by loan inXX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXXand XXXX XXXX closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XX/XX/XXXX the month my account was paid in full and closed.

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error??

Additionally, both Experian and XXXX XXXX did electronic verification which clearly was not the appropriate way to resolve this complaint!

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 2021-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
Experian, continue to report inaccurate information on my XXXX XXXX account ending inXXXX for the month of XXXX, 2018. I have provided Experian proof with a copy of a letter from XXXX XXXX multiple times stating that they will contact the credit bureau and have this inaccurate and subterfuge information for XXXX, 2018 delete. Experian is in violating of the Fair Credit Reporting Act because they continue to report inaccurate information after they have been provided information directly from the credit to remove this inaccurate information for XXXX, 2018. CFPB please have Experian uphold the law. Also hold Experian accountable for the violations they continue to comment with this dispute and compensate me for Experian damaging my credit worthiness by reporting this subterfuge information on my XXXX XXXX account. 

CFPB I have attached a copy of the letter As proof I received from XXXXXXXX XXXX requesting the credit bureau to delete this inaccurate and subterfuge information for 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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Please see the letter below that was sent to the company regarding the unauthorized credit inquiry : XX/XX/2021 Capital One XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX It has been brought to my attention that Capital One has made two inquiries regarding my credit history ( XX/XX/XXXX, XX/XX/XXXX. ) I did not authorize a credit check and am concerned as to why my credit report would be of interest to Capital One. I have no business dealings or pending applications with Capital One and believe there could potentially be some type of fraudulent activity taking place. Please investigate and advise as your inquiries negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-02
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Th e Allied Interstate, LLC, its e mployees, agents and servants are repeatedly calling me at home, cell phone and work place, and harass me for debt and or the individual I do not have any clue. In the past the individuals of  Allied Interstate, LLC  were repeatedly informed not to call me for a debt I do not have any connection. On or about    XXXX   XXXX   XXXX       Allied Interstate, LLC,  its employees, agents and servants called my work place, spoke my supervisor and  administrator  and threatened to take action for the same debt I do not have any connection.   I have requested to Federal Trade Commission and Consumer Financial Protection Bureau , ( Cfpb ) a nd requested to take action against,  Allied Interstate, LLC,  for this fraudulent debt, in violation  of 15U.S.C .  1692e ( 2 )  ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation  of 1692e ( 5 ),  and used a false representation or deceptive means to collect or attempt to collect a debt, in violation  of 1692e ( 10 ).     Allied Interstate, LLC a nd its alleged clients unknown to me were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. Under Dodd-Frank Consumer Protection Act ( Dodd-Frank Act ) , Allied Interstate, LLC  and its clients are legally required to refrain from committing, UDAAP.    Allied Interstate,  LLCs UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace.    Allied Interstate, LLC under Dodd-Frank Act invo lved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act.  See Dodd-Frank   Act, 1002, 1031 & 1036 (  a ), codified at  12 U.S.C. 5481, 5531 & 5536  ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person or service provider in violating sectio n 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).

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 2021-11-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX I went to XXXX XXXX in XXXX Texas to purchase a pair of shoes. Upon paying at the cash register I was asked if I would like to apply for a XX/XX/XXXX credit card, I said they will not approve me. She insisted I try and so I did and it was approved for {$400.00} dollars. I thought I was getting a JC Penney credit card. Upon using the card to purchase a microwave and a mini refrigerator, I began to receive a bill for the purchased from Synchrony Bank Orlando Florida. Upon missing a payment they began sending text messages attempting to coerce me into giving them my account number and routing number. They would send a message stating " " make a payment. ''

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 2022-03-17
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After filling out an online application with rocket mortgage I was contacted by XXXX XXXX. I told him in the course of that conversation that my house was manufactured home. They accepted my loan I submitted all my required documents and forwent the other companies I had contacted. 10 days later, after locking in my rate, I was told that they couldn't complete the loan because it was manufactured home. Because of rapidly changing mortgage rates I will ultimately pay {$72000.00} more over the course of the new loan. I believe rocket mortgage knew from the beginning they couldn't service my loan and forced me to submit documents to my detriment. They refuse to allow me to listen to the recording of our conversation where I disclosed on day one it was manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a Citibank web transfer of {$70000.00} from XXXX checking account XXXX to a Citibank savings account XXXX was initiated. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into XXXX XXXX account XXXX. Between XX/XX/XXXX and XX/XX/XXXX I contacted XXXX 5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX checking account. With Citibank unwilling to resolve the issue and blaming XXXX and XXXX, I contacted CFPB who recommended opening a complaint. On XX/XX/XXXX I opened a CFPB complaint ( XXXX ref. for further details ). Then a miracle!! The very next day I received a Citibank Email ( see attachment ) indicating the funds will be deposited back into my XXXX  checking account. On XX/XX/XXXX {$70000.00} was deposited into by checking account. 
Thanks CFPB!!

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