BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had applied for credit with XXXX under their " XXXX XXXX XXXX  '' program which offered me a line of credit through Citizens One. The understanding was the credit was offered due to product which was currently in stock and available. I went through the full approval process, which included a hit on my credit report and received confirmation that the credit was approved and my order was processing. After 10 days of no communication, I received a generic message letting me know that my order will not be fulfilled because there was not enough stock to fulfill the order. This left me with an unusable credit line, a hit on my credit report and not product that was implied to have been in stock and available. The retailer this was with was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
This is my second notice to demand to remove false and fraudulent reporting on my 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 non-monetary relief
Consumer complaint received 2018-06-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit. 
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house. 
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.

PLEASE HELP!!!

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: IL
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 a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA. XXXX I previously sent a letter to you disputing the accounts listed below as being inaccurate on XX/XX/XXXX, and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX. As of today, I have yet to receive a response from your bureau. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are permitted 30 days to investigate disputes from the time you receive them I am assuming that since you have failed to respond to my dispute within the time allowed that you were unable to verify these items. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Enclosed you will find a copy of my original letter showing all the accounts I have disputed. Thanks in advance to your timely response to this request.

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 2021-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Conduent Incorporated
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
around or on the date of XX/XX/2023 I called WAYTOGO bank asking them to issue a new card for me because I had funds coming to the card I didn't have my old card, they told me they would issue the card out to me. After waiting around 6 to7 days I attempted to contact the back to see what was going on with the card I wasn't able to get through that due to the system being really hard to navigate so I called back the next day when I had time to, this time I was able to talk to some one it ended up being a lady who notified me that my card had been activated without my notice and was being used so I asked how did my card was activated if I never received it she told me that my card was sent via XXXX and was left at my front door. I told her I never got that package so she sent me to the fraud claims department they started my claim and I was told I would have have to fill out some papers and mail them back in so I did that, I also emailed them. I was notified my claim was denied do to conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: U.S. BANCORP
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-01
Company: DriveTime
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from the XXXX, Virginia DriveTime location in XX/XX/2021. The issue was with the sales associate that I had worked with named XXXX. Whenever going through the process, at the start of the appointment I explained that my maximum down payment amount would be {$500.00} but I preferred lower. XXXX assured me all cars in the lot were able to be adjusted to meet my pricing needs on down payments and showed me a vehicle I was in love with. Whenever it got to the paperwork portion of the appointment, she explains she will debit my card for {$2000.00} without discussing with me first. I explained that I had a set limit and she insisted I still come up with the additional money to cover the down payment. Eventually I switched vehicles to another model that did fit my budget of {$500.00} but I was never offered the option to view something less than that on a down payment and when I asked to view those as well I was told no. I also purchased the warranty which was presented in a very predatory manner, the reason I purchased the warranty was because XXXX told me that a rental would be covered from the day that a mechanical issue happened until the day the repairs were completed. I asked if this meant that the rental was provided up front or if it would be reimbursed. She stated it would be upfront with no money out of my pocket. I agreed due to that because affording a rental car isn't a possibility living paycheck to paycheck and being able to make it to work every shift is important as well since I am the only one working in my household due to COVID-19. Whenever I did have a mechanical issue appear, I followed the steps to submit a claim and was informed that it was by reimbursement only and that there was also a limit on the amount eligible for reimbursement. Due to the lies I was told by DriveTimes representative I am now stuck without a rental car because I can't afford one and I am having to miss work due to no transportation options. The issue with the car was the CVT transmission that DriveTime last serviced was filled with the wrong transmission fluid which caused a mechanical failure of the transmission resulting in a full replacement being needed. I spoke with DriveTimes customer relations department who practically denied everything and said a coaching opportunity would be provided to the store I visited. I was not given any rectification regarding the situation that my family is now in due to their lying representative XXXX. I am now at risk of losing my job which will create a huge impact to me being housed and fed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, I used XXXX by XXXX XXXX to routinely pull 3-bureau credit reports. After generating this, I found that XXXX XXXX seemingly had put my account into collection status with XXXX and XXXX. The trouble is that this is not true at all since I have never once been late with a payment since XXXX -- - nearly XXXX years ago. 

I called XXXX XXXX which gave me the royal runaround on XX/XX/XXXX and again on XX/XX/XXXX. I then called XXXX by XXXX XXXX in the afternoon of XX/XX/XXXX to inquire about all this. 

I was informed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that they could find no evidence that my account was ever in collection status. Then XXXX by XXXX XXXX on XX/XX/XXXX acknowledged that their systems were faulty and due to some nebulous programming error on their end giving consumers incorrect information. In fact, they said I was not the first consumer to report this issue. Further, they had no idea when it would be fixed. 

I let both entities know I would be reporting this to the CFPB this evening. My request is that the CFPB investigate this matter for me and any similarly situated consumer who may complain. I request that you impose civil monetary penalties against both XXXX XXXX and XXXX by XXXX XXXX for every affected consumer. I also ask that the CFPB issue orders compelling both XXXX XXXX and CreditSecure by XXXX XXXX to fix the issue on behalf of all affected consumers without undue delay. 

Please see the attached files for details.

Company response to consumer: In progress
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that this unusual foreclosure complaint is rare and unorthodox Due to the nature of the complaint. As of XX/XX/XXXX, I XXXX XXXX. Unsuccessfully requested per Freedom of information Act ( FOIA ) documentation concerning my mortgage loan that was Wrongfully foreclosed on in XXXX. My family still suffer from the dramatic unprecedented eviction. Wells Fargo as of XXXX, XXXX responded to the last Consumer Financial Protection complaint. On the other hand Wells Fargo failed to respond to the Freedom of Information Act. I request specific documentation Wells Fargo continued to send me information concerning my mortgage loan I did not request. This is a Freedom of information violation. My home was illegally foreclosed on I know they were not the Secured Party to enforce any foreclosure against my property. I am seeking resolution to this unduly act. Please Help.

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 2021-07-01
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone succesfully opened an account at XXXXXXXX XXXX using my information - I have a credit reporting service MyIDcare who alerted me to the new inquiry. XXXX XXXX was helpful when I called and promptly closed the account, however, I feel credit cards are too easily obtained with minimal validation/verification of the requesting party. There should be stricter measures in place ( Biometric ID Authentication )

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 2021-07-01
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: RI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Account status incorrect

Complaint:
XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: WV
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had student loans for my XXXX XXXX XXXX. I started working in government in XXXX. I finished my XXXX  in XXXX. I was told I had to consolidate my loans for XXXX. I was told it would not affect my Public Loan Forgiveness. It did. It restarted over when I consolidated and I lost roughly 2 years of qualified payments. I called the loan servicer and told them they TOLD me this was what to do and it would not affect anything and they said basically too bad, it's now a new loan so I had to start over. I would be much closer to forgiveness if those payments would have counted like they should have! This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: TX
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:
Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX MY FILE WAS DEEMED COMPLETE AND MY TRUSTEE SALE DATE OF XX/XX/XXXX WAS PLACED ON HOLD. I WAS TOLD BY XXXX THAT SINCE MY FILE WAS DEEMED COMPLETE AS OF XX/XX/XXXX I COULD EXPECT A DECISION NO LATER THAN XX/XX/XXXX. I HAVE BEEN CALLING TWO TO THREE TIMES A WEEK TO CHECK STATUS ON MY CASE. TODAY I AM TOLD I HAVE AN ACTIVE TRUSTEE SALE DATE OF XX/XX/XXXX. I ASKED WHY? CONSIDERING MY SALE DATE HAS BEEN ON HOLD BECAUSE MY CASE HAS BEEN UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT AS OF XX/XX/XXXX. I WAS TOLD THE HOLD WAS LIFTED AND THE SALE DATE IS ACTIVE FOR XX/XX/XXXX. I ASKED WHY? AND THE REPRESENTATIVE SAID THEY DO NOT KNOW. IF I AM UNDER ACTIVE REVIEW WITH THE UNDERWRITING DEPARTMENT THERE IS NO REASON WHY THE SALE DATE IS NOW ACTIVE. UNLESS A DECISION HAS BEEN REACHED AND NO ONE IS TELLING ME WHAT THE DECISION IS.

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