BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2021-11-15
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I were getting mortgage from Citibank. We filled out application, locked the rate and, according to our mortgage broker Mr. XXXX XXXX, everything was OK. However just one day before closing Mr. XXXX informed us that he can not proceed with the morgage because we have unsufficient income to debt ratio. So, he made us to pay {$17000.00} ( 2.35 % of loan amount ) to buy extra point to reduce interest rate to 2.125 % ( See attached " Morgage Loan Commitment '' ) When closing finally came, Mr. XXXX increased our rate to 2.25 % ( see attached " Closing disclosure '' ) Please look into 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 2019-12-10
Company: United Resource Systems, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was helping XXXX XXXX XXXX account number : XXXX on her medical bills.On XX/XX/2019, I faxed to United Resource Systems ( fax number : XXXX ) citing fair debt collection practices act. I asked the company, among others, to stop collection effort and put the account on protest status. The company violated the law by calling Ms. XXXX and me repeatedly. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Tuesday, XX/XX/XXXX at XXXX XXXX, I received emails that said there was a new log in into my Chime account. I've never had a Chime account. Also at XXXX, I received an email from chime with a PDF attachment about setting up direct deposit. I did not open this attachment. At XXXX I received a " Welcome to Chime '' email. At XXXX I email XXXX because it was the email listed at the end of one of the Welcome email to report an account being opened without my permission. At XXXX, I called the phone number listed at the bottom of the Welcome email to report the account being opened without my permission. The call lasted 4 minutes and 42 seconds. Before hanging up, the representative wanted me to confirm that I've received confirmation of the account closure. I received this email at XXXX. At XXXX, I received an email prompting me to create a Chime password. At XXXX on Tuesday, XX/XX/XXXX, I received yet another Chime email that a person with the initials XXXX  sent me {$1.00}. I do not know this person in my personal, professional, or online life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Ad Astra Recovery Services Inc
State: WA
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 asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
M, AND T BANK BOUGHT MY MORTAGE UNBEKNOWNST TO ME. I MADE A MORTAGE PAYMENT USING MY APP FROM XXXX XXXX TO THE LOAN ON XXXX FOR XXXX AND THE THE NEXT DAY AN AUTO PAYMENT WAS SENT OUT IN DUPLICATE. FOR XXXX. A TOTAL OF XXXX CAME OUT OF MY ACCOUNT IN 2 DAYS. THE SECOND AND DUPLICATE PAYMENT WIPED OUT MY XXXX BUFFER AND PUT ME IN THE HOLE. BUT THE FUNDS WENT OUYT TO M AND T BANK, I SPENT OVER 37 HOURES FIGHTING THIS FOR 32 DAYS SO FAR. I WENT TO MAKJE MY REGULAR XXXX PAYMENT ON XXXX JUST BEFORE MIDNIGHT FROM WORK AND FOUND OUT M AND T BANK SAYS NOW THAT THEY NEVER RECEIVED ANY PAYMENT., THEY KEEP SAYING INSUFFICENT FUNDS BUT IN A CIOUYRT OF LAW THE RECORD WILL SHOW XXXX WAS SNT TO THEM WHATECER THEY AND THEIR MORTAGE TRANSFEWRE XXXX XXXX XXXX DO WITH MY FUNDS IS OUT OF MY CONTROL. NEVER ONCE DI A HUMAN FROM M AND T BANK CALL ME TO HELP. I SPENT ABOUT 37 HOURS AND 20 PLUS PEOPLE FIGHTING THIS. NEVER WAS THERE ANY MORTAGE PROBLEM TILL M AND T BANK GOT INVOLVED. ALL I GET FROM 2 XXXX, A XXXX, A XXXX, AND OTHERS ARE LIES SAYING THEY WOULD CREDIT THE FUNDES BACK TO MY ACCOUNT FOR THE DUPLICATE PAYMENT. IT WOULD HAVE BEEN EASIER TO LET THEM JUST KEEP THE DUPLICATE AND USE IT FOR XXXX. M AND T BANK HAS CAUSE ME UNBEARABLEPAIN AND ANGUISH AND NOT ALLOWED ME TO PURCHASE POST XXXX XXXX MEDICINE FOR A FASMILY MEMBER IN THE BEGINNING OF XXXX. HAVE BEEN FIGHTING THIOS FOR 32 DAYS, NEVER ONCE DID M AND T BANK CALL ME, XXXX KEEP TELLING ME LIE AFTER LIE ANTER LIE. THEY STATED IN MY FIRST COMPLAINT THEIR WEWRE UNSUFFICENT FUNDS, NEVER. THEY RECEIVED 2 PAYMENTS AND EVEN TOLD ME THEY HAD 1 IN 'SUSPENSE ' FOR OVER 2 WEEKS JUST SITTING ON IT. NOW THEY SAY I NEVER EVEN MADE 1 PAYMENT WEHN XXXX DOLLARS WENT FROM XXXX XXXX TO THEIR COFFERS. M AND T BANK IS GOING TO BE HELD RESPNOSIBLE FOR THIS PAIN AND SUFFERING THEY HAVE CAUSED ME AND MY FAMILY ONCE THIS IS SETTLED, IN A COURT OF LAW.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NM
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Company: EQUIFAX, INC.
State: NM
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - Global Lending service ( XX/XX/2022 ) - XXXX XXXX XXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
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 items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-10-04
Company: DHI Mortgage Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am very disappointed with DHI for selling my loan to XXXX XXXX XXXX. They offered me a low interest rate and then sold my loan to XXXX XXXX XXXX that has a bad reputation. Since XXXX transferred my loan, XXXX has only processed one of my payments. I have three payments that XXXX has not processed. I called to inform DHI on today, XX/XX/XXXX about my disappointment and asked if my loan could be transferred back to DHI but the rep I spoke with was very unprofessional and rude. I did not catch his name, but I made the phone call on XX/XX/XXXX, around XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted a complaint to the CPFB about Loancare and the issue I had with them updating incorrect information on my credit report. I received a letter dated XX/XX/XXXX stating that Loancare was going to correct erroneous information on my credit report and Loancare has updated some negative information but has now been updated with ADDITIONAL ERRONEOUS INFORMATION. My credit report is still reflecting a 120-day late payment on my XXXX for XX/XX/XXXX and another 120-day late on my XXXX Report for XX/XX/XXXX. Loancare removed the 120-day late they had reporting in XXXX of XXXX but added a new one and this is wrong! I have called again to find out what the issue is SINCE I WAS IN AN ACTIVE CARES ACT FORBEARANCE SINCE XX/XX/XXXX AND AN ACTIVE CH. XXXX BANRUPTCY SINCE XX/XX/XXXX and late payments can not be reported and THERE WERE NO LATE PAYMENTS AND DUE TO THE CH. XXXX FILING, NEGATIVE INFORMATION CAN NOT BE REPORTED AND THERE WAS NONE TO REPORT DURING THIS TIME. I attempted to call XXXX XXXX who was the lady that sent the letter that I received from Loancare in regards to my previous complaint but her extension comes back as invalid. I don't know who else to contact about this issue. My next step is to contact senior leadership up to level of the President of the company. While on the phone trying to resolve this issue because I can't reach the lady that sent the letter, I keep getting different answers and it seems no one really knows the rules so they give their best guess. These best guesses again are stopping my from getting a home. I am a single mother and XXXX veteran who can not qualify for a mortgage because of this error me and IT'S WRONG!

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 2022-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To whom it may concern, within the timing of the auto repossession it was commonly a surprise to me. Due to the fact Ive had multiple communications with representatives from Credit Acceptance. From XXXX. During, before, and after COVID-19. Communication went as followed Credit Acceptance agreed to remove ALL late payments under goodwill status. Not to mention they also agreed to non-repossession, and non-reporting ANY late payments to third parties. Throughout the year of 2022 Credit Acceptance has reported 11 late payments, and 1 repossession to third party credit bureaus. Credit Acceptance defaulted on their agreement to non-reporting, and non-repossession Pursuant to 18 USC 8, I owe no debt, the company is violating my consumer right to privacy pursuant to 15 USC 168:1 : b2. The company has no permission to report ANYTHING using my info pursuant to 15 USC 168:1:4 On XX/XX/2022 I immediately asked for the credit bureaus to investigate, and remove account from credit report. Credit Acceptance doesnt have the right to make an agreement, and default on the agreement. In which, caused a breach of peace during the repossession, and also deformation of character. Ive lost personal property when the vehicle was repossessed Secondly, the vehicle was repossessed on a personal property behind a closed locked gate. Thirdly I was never informed nor received a message as to where, and how I may collect/retrieve personal items. According to Michigan repossession laws all three reasonings is a breach of privacy. I'm highly upset that Credit Acceptance are partners with XXXX XXXX. As stated by personal experience the company itself has been known for stealing customers personal items. At the time of the repossession I was unable to hold my job due to missing work and lack of transportation. That also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on credit reports. Not to mention Credit Acceptance engaged unfairly failing to obtain refunds for me for add-on products that no longer provides a benefit to me. Credit acceptance has also misled me about the amount of final loan payments after my normal payments were deferred due to financial difficulties largely as a result of the COVID-19 pandemic.

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 2020-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is not doing a thorough investigation into a collection account on my credit report. Both XXXX  and XXXX   removed the account after investigating within just a couple days. I'm on my third dispute with Equifax and I do not believe they are actually contacting the collection agency to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have consistently contested the inaccuracies in the following information with Equifax, XXXX and XXXX, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XXXX14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I was notified of an alleged debt within 30 days and immediately disputed the validity of that debt with LVNV funding. A request for validity, verification and also proof of the chain of title of ownership was sent via certified mail to LVNV Funding. LVNV Funding has not provided the requested documentation and is in violation of 15 U.S.C. 1682g. Attached is the evidence of request that was sent to LVNV Funding.

Company response to consumer: Closed with explanation