BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX account XXXX XXXX XXXX XXXX This accounts i have disputed for 5 times now and nothing have been deleted. I have sent in a police report fraud package and ftc report which i already submitted like 4 times and still Equifax violates my credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been seeking assistance from my mortgage lender, Flagstar Bank since XX/XX/XXXX and as of today 's date, there has been no amicable resolution. 
I fell behind on my mortgage due to lost of 2 incomes, my dad who was helping me died due to complications from XXXX and I am now dealing with XXXX. 
There were multiple offers submitted to the lender and the assigned specialist, XXXX XXXX, never seemed to take the time to review any of the documents submitted by my realtor before promptly denying every single offer. I have made numerous calls to speak with her and was always informed " she is not available '' and even making requests to speak with her superiors was impossible. 
To my knowledge, my real estate broker was in contact with someone from FHA by the name of XXXX XXXX who was helping but I am not sure if she is still involved. The lowest offer submitted was {$250000.00} and the appraisal came back at {$310000.00} and although the buyer increased his offer to {$270000.00}, XXXX XXXX rejected the offer by stating " duplicate offer ''. 
At the time of this complaint, the last appraised value was {$530000.00}, and that appraisal was completed in XX/XX/XXXX. The problem however, is that due to my health, I had to vacate the property so that my daughter could help me. The current offer is at {$420000.00} and once again, XXXX XXXX rejected the offer by stating " property does not qualify for a short sale ''. Due to the current water damages and mold, which occurred in XXXX when the pipes burst, I am not sure if I will get anyone to move forward with a traditional sale and I have made numerous request to have XXXX XXXX replaced as I believe she is either prejudice or bias against me. 
It should not take this long for any homeowner to receive assistance from their mortgage lender, when there is a equity buyer involved.

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 2023-03-17
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank in XXXX I had gotten a call from XXXX  XXXX XXXX about my mortgage. They said I was XXXX dollars behind I told them this was not possible. I then took my papers and receipts to the bank. I had everything paid to date I ask what the problem was and the woman who was helping me was on the phone with a man and she told him I was up to date with my paperwork and receipts. The man told her on the phone to tell me to leave the bank. There was nothing they can do so they kicked me out of the bank. So I left the bank and tried to find a lawyer I went to 12 different lawyers and no one would touch the case. So I started a battle with the XXXX  XXXX XXXX to plea my case. So out of no where I get a call from a man that claimed he could fix my mortgage account. So I trusted this guy and gave him some info so he told me he would call me back so i did wait and in two weeks still no call. So I make a police report with XXXX XXXX Sheriffs Office. A month later I get a letter from the FBI saying they arrested a man on five different accounts of fraud. So for years I don't hear anything. So three years ago I get a call stating that there going to prosecute a man on fraudulent activity and since then there have been two more arrests. In the meantime we are trying to sell the house. The mortgage company is coming up with all these different numbers on what we owe. There are modifications that I did not do, late fees and they are adding up. We have dished out thousands of dollars to fix the problem and the numbers never go down. They are always the same. I had to take money out of my annuity 2 or 3 times and taking out small loans also but nothing has changed as far as the amount of money owed to them for the mortgage. It has caused a financial distress and it still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
around XX/XX/XXXX. I had a XXXX dollar overdraft. I admit to that. I sold an item, and the lady sent me a check. The lady said Monday the funds will be in, and the check was good. We made a payment, and this was around XX/XX/XXXX. The check was not good, and I had no idea, and Simmons said it was fraud. Then Simmons questioned me like I was a criminal and never asked me for the envelope with the tracking information so they could look into it. So, back to XXXX negative in my account, I could not access online banking, and when I logged in, it said DORMANT. I got an email saying I got an overdraft. Then, a few days later, I got an email stating I got another overdraft. I used the phone number to check my account. Simmons accepted 2 to 4 charges and put them on my account to cause an overdraft, and a day or so later, they rejected them. Simmons Policy states that if you overdraft {$500.00}, Simmons can not add anything else to an account. My account was suspended and it was past 30 days, Simmons added more overdraft fees Simmons committing Fraud. I was about to pay the {$540.00} dollars until they pulled this. Doing this to a customer is illegal, and there are laws to protect people. Customer Financial Protection Bureau will be notified. Simmons added items from paypal that were on auto pay I forgot about and added it in my account to form another overdraft several times and then remove them. They broke the company 's policy. If you have an overdraft at max and something tried to charge that account, it was denied and can't charge. It seems like the fraud Simmons Bank committed against me was to line their pockets. If I did something like this I would be arrested for breaking the law, so maybe someone from Simmons should be held accountable. My resolution is, Simmons pays me {$1000.00} dollars and then deduct the overdraft from the amount and mail the rest to me. That is for committing fraud against me. XXXX XXXX Old account : XXXX Simmons wrote back to the XXXX and never sent me a image of my deposits. After 30 days from an overdraft, nothing can be charged to an account. They knew on my transactions page it shows they accepted these withdrawal and got the overdraft charge, then denied them. Simmons did nothing or have any evidence to prove me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 2. I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 3. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 4. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 6. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report

Company response to consumer: In progress
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and was told I had to have Gap coverage in order for Wells Fargo to approve my loan which I didnt understand at the time because I had my own insurance and couldnt afford additional coverage but was told since I had a high interest rate my insurance wouldnt cover the loan in full if I was in a accident because my vehicle would be upside down and I would owe more then what the car was worth so thats when I signed the policy for Gap insurance in the amount of {$990.00} extra that would be attached to my auto loan/contract per Wells Fargo Bank which I learned today when I contacted Gap to cancel my policy since my car has been charged off as of XX/XX/XXXX and was told to get another loan, trade it in for another car or sell it so I can give them their money which i feel has been wrongfully charged off when Ive attempted to pay them on a few occasions or defer my payment which they didnt approve or accept any of my payments or did their customer rep help me with seeing that my payment would be collected instead she laughed at me while I was crying on the phone trying to get my payment to the bank so my car wouldnt be charged off but they didnt care. When I called Wells Fargo executive today to find out the pay off they gave me a incorrect amount and didnt deduct the extra amount for Gap Ins and was told per XXXX that because car was charged off I may not get a refund or I may have to pay a penalty which was incorrect & was told from Gap that was not true. They are a separate company which is my choice to pay this additional amount. I cancel my Gap ins and immediately contacted XXXX who was now very nice and apologized for being told this was mandatory. She will further investigate this matter that was not handled properly and how dare them treat me this way especially because Im on XXXX and live on a fixed income which I told XXXX XXXX but cant afford Any additional fees not necessary which is proof this policy was not needed and was an option but according to the finance dep it was necessary in order, to secure my car loan.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX  Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 2023-03-17
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:
I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 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 2023-03-17
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:
After reviewing my credit report I found XXXX XXXX to show a lot of inconsistencies. According to the FCRA my report should be 100 % accurate. The account number is different across the three bureaus. Date opened, date last reported, date last active and date of last payment all have inconsistencies. Please correct all these errors or delete the account.

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 2023-03-17
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
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 reinvestigated my credit report, I realized that the accounts were erroneous The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXXXXXX Balance : {$3300.00}

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 2023-03-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation