BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.

The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. 

In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.

Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. 

These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.

I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. 

I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. 

Thank you for your consideration and assistance.

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 2023-12-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
My XXXX and I had reached out to NewRez in XXXX about our appraisal on our property in XXXX. We originally purchased the home for {$250000.00} ( with an appraised value of {$260000.00} ) - it is now valued at {$340000.00} leaving us with {$110000.00} in our home, about XXXX % which very much surpasses the XXXX % ratio. 

It's been confirmed by NewRez 's representative that the appraisal has been seen over their recorded line and they have pushed off granting us our PMI release which I believe to be a violation of the Homeowners Protect Act of 1998.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: Transform Credit Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Went to transform credit to get a loan to clear credit card debt. Was told that I qualified with a co-signer advised them I dont have one and they still have been charging me a {$5.00} fee monthly for the same amount loan I didnt get or have any access to. Per 15 usc 1605 ( 2 ) ( 3 ) finance charges ( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

Never gave me any credit so Im charged for an extension of credit I never recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them last XX/XX/XXXX XXXX with the confirmation number XXXX they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report. I called again last XX/XX/2023 and then they said that the unauthorized inquiries were removed in my credit report but when i generated my credit report I still see these unauthorized inquiries in my credit report. I called back again XX/XX/2023 with confirmation number XXXX this time they told me that these unauthorized inquiries are still in my credit report and they did not receive my FTC report. 

Please I need your help on this matter to address this concern to the bureau. 

I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX  XXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: Klarna AB
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I contacted Klarna mutiple times to receive a refund for my orders because the merchant did not honor their 30 day return policy. Which is clear as day on their website. XXXX XXXX XXXX They told Klarna they do not accept returns but they do according to their policy. I want both orders refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in XXXX, I tried to get an apartment, and on the background check it said I had been arrested back in XXXX XXXX XXXX, in XXXX texas for forge check was not true, in XXXX I paid off the bad check which was actually my husbands, and I was living in XXXX TX from XXXX XXXX XXXX was not arrested and it costed me and my XXXX son to become homeless for about 6 months

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 2023-09-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX currently have some unauthorized inquiries appearing on my credit report. 


XXXX XXXX Date Of Inquiry XX/XX/XXXX Experian XXXX Credit Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry XX/XX/XXXX XXXX XXXX XXXX Of inquiry XX/XX/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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation.

As far as Im concerned all of the inquiries, hard & soft does not belong.

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth.

Thats a violation under the FDCPA Everything furnished on my report as of 10/12/23 is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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:
I have inquires hardened soft on XXXX equifax credit report. my information was breached and I have those inquires coming from equifax XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
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 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 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX, XXXX contacted by a credit reporting agency warning me that my credit rating was being adversely affected by carrying a large credit card balance. Contacted AmEx and discovered a balance of {$31.00}, XXXX had accumulated from XX/XX/XXXX to late XXXX, XXXX even after the customer service representative had removed all penalties, late fees, interest charges, finance charges, etc. Paid the account balance down to XXXX in early XXXX, XXXX. 
XXXX, XXXX contacted AmEx regarding the liquidation of my Reward Dollars ( RD ) account on XX/XX/XXXX without paying off any charges, and thus, without my consent. Bumped up several layers of management and finally informed of AmEx 's irresponsible approach to RD accounting and convenient, predatory RD policies. The AmEx manager promised to 1. ) investigate the res ipsa loquitur miscommunication that occurred via chat and phone on XX/XX/XXXX, XXXX. ) determine the approximate value of the XXXX account via a process of reverse engineering, and XXXX. ) remove all penalties, late fees, interest charges, finance charges, etc. during his investigation. Either the investigation was not performed, or the results were not communicated to me. Technically, if no investigation was performed, then the non-removal and further accumulation of penalties, etc. is explained. Unclear if this represents negligence, promise failure or both. 
XX/XX/XXXX e-mail from AmEx that " Uh-oh [ my ] XXXX has decreased. '' In the past, never cared too much about my credit rating. The few times I bothered to look it up was always in the high XXXX 's, but after the " Uh-oh '' e-mail decided to look up my XXXX score : XXXX! Why did AmEx send me an e-mail about my XXXX score on XX/XX/XXXX? I considered my AmEx account cancelled on XX/XX/XXXX and even AmEx considered the account closed on XX/XX/XXXX. Sending me a dramatic e-mail about my XXXX score on XX/XX/XXXX makes no sense. How much of the precipitous fall in my credit rating was due to AmEx mismanagement of the XXXX XXXX account ending in XXXX? 
Today ( XX/XX/XXXX ) contacted AmEx ( XXXX ) regarding the {$1.00} interest charged to my XXXX XXXX XXXX ( technically dead but remains a nightmare walking ) account. XXXX reassured me that the charge would be removed along with the threat of a $ XXXX XXXX 's Apprentice from XXXX late fee and the XXXX XXXX of 30 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I sent a payment ACH from my bank to the mortgage company they claim the payment was returned to my bank but has never showed up in my bank acct.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief