BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the XXXX 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 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-10-30
Company: MoneyLion Inc.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Moneylion is having some issue that will not allow me to login to my account. They are well aware and I have begged them for help. This account has helped me make ends meet. I needed access to my account. I am worried someone has hacked my account and I have called and emailed many times to get help. No one can help me. I just keep getting put off and told someone will contact me. This account is linked to my bank account. This is serious and no one will help me in a timely manner.

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 2023-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The last time I sent a complaint XXXX they responded that they deleted the fraudulent inquiries. Today is XX/XX/2023 and I will upload a picture where all the fraudulent inquiries are still on my credit report. This is a joke for them and I'm sick of making complaints and nobody is doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an account with citi bank in XXXX 2018. After two months, they closed my account without warning and explanation. After one month, they closed my XXXX XXXX which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.

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 2023-11-09
Company: Brightfunders, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received the attached misleading marketing material from Lower LLC after applying for a loan with another lender. I understand that Lower LCC is permitted to send pre-screened offers of credit under FCRA, however the letter appears to violate several provisions under Regulation N.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
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 XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Early Warning Services, LLC
State: IN
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Early Warning Systems XXXX XXXX XXXX XXXX XXXX, AZ XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX To whom it may concern : It has come to my attention that Early Warning is willfully not complying with the FCRA. I have attempted on several occasions to obtain information in your database which you report to my consumer file and each attempt you have stated that you do not have access to the information I have requested and refused or ignored my request to remove the items from my consumer file. This puts Early Warning in direct violation of the FCRA which I will sue for. 





Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages ranging from {$100.00} to {$1000.00}, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ) If you can not comply or refuse to comply with the above mentioned FCRA regulation Section 1681g ( a ) ( 1 ), I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. 



In addition, Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section- Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for the investigation. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2023, Im on the phone with Barclays ( XXXX ) XXXX I was asked on a recorded line by 20 different representatives about the same address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 


Im a victim of identity theft and my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX her address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX her phone number ( 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 2022-11-06
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: Old information reappears or never goes away

Complaint:
The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. Clarityservices.com, or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 account was paid in full and closed on XXXX. I have sent TransUnion proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from XXXX that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with TransUnion 2 times with the last being on XXXX. I have also attached proof of TransUnion ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.

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 2019-11-19
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : 1XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX date XX/XX/XXXX and XXXX XX/XX/XXXX first XXXX plus $ and second was XXXX plus $ ive reached to you all before back when this first occured but i since havent gotten my money back ive closed the accounts 3 or 4 times and they keep reopening it so im going at it again to get my money back Im having issues with chime bank theyre legally withholding funds from me they overcharged me for their chime credit builder account back in XXXX Ive called countless times when I called them they send me through loops and circles when I ask for a supervisor they place me on hold for 30-45 mins every time then they come back and they either make their voices deeper pertaining to be someone else or just transfer me they wrote the payments off as adjustments then sent out an email about their systems having issues about it and when I went on there XXXX and XXXX commented about it I noticed tons of comments of others having the same issue and nothing is being done ive saved all my chats and emails from them and Im just wanting my money back theyve taking over XXXX dollars from me I need truly need some help getting these funds returned to me. Can you please assist? My account is under XXXX XXXX I can provide all documents and anything else needed. ( Ive uploaded the documents on my last case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, I receive alert from of XXXX XXXX credit report XXXX, Experian and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the XXXX company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-29
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was using the ATM outside my banking institution. M and T Bank XXXX XXXX XXXX XXXX NY XXXX. I accidentally put cash in the check slot. Instead of sending the cash back out it ate my money. It also kept my ATM card. I had to go inside to get the card back and I thought they could just give me the cash back. However they said I would have to fill out a dispute and they would give me a provisional credit. I filled out paperwork I put in the dispute they gave me a provisional credit for the {$360.00}. Someone in the bank after I left changed the amount to {$260.00}. I never authourized the adjustment neither had they even completed and audit of the ATM. Some teller took it upon themselves to change the amount. I was livid I went back into the bank they refused to give me the paperwork or even who changed the amount. I can tell you this wasnt my finest hour. My husband had to drag me out of the bank as I was yelling and screaming. I went to another M and T Bank and spoke with a XXXX XXXX XXXX XXXX and showed her the paperwork. She put in an internal complaint because they should have never touched the provisional credit. She said they would put the {$100.00} back into my account. I asked her to please get the name of the person responsible. I looked into my account the next day and the {$100.00} was not in there I again called XXXX. She said to give it time I again asked for the tellers name who changed my provisional credit because I was going to file a complaint with the Federal Reserve Board and CFPB. Within an hour of saying I was going to file a complaint the Branch XXXX from XXXX NY XXXX XXXX XXXX called and said she was closing all 3 of my accounts of 25 years. I believe this was in direct retaliation for my filing complaints against this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've received numerous phone calls from Rent Recovery Solutions attempting to collect a debt. My mother and I were on a previous rental lease together and she too has been receiving an overload amount of phone calls attempting to collect this supposed debt. 

We each receive phone calls daily, on the weekends, early in the morning and our family members have also been contacted in this company 's attempts. My mother and I have no outstanding debts to a renter or creditor and no proof from this company has been submitted to us. 

I have a log of phone calls from this company and it's harassing to not only myself -- but also to the family members who've been contacted by this company. 

I am requesting for Rent Recovery Solutions LLC to cease and desist from all contact of myself, my mother -- as well as other family members and for an immediate stoppage of any attempt to collect a debt as well as for their threats to place collections claims with credit bureau agencies to stop. 

Rent Recovery Solutions is in violation of fair debt collection practices act.

Company response to consumer: Closed with explanation