BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Social Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/21, I applied and was approved for a SoFi personal loan. I used a referral link that gives me a {$310.00} sign up bonus. However, it's been almost 6 weeks and I still didn't get the bonus. I reached out to SoFi customer service via chat to inquire about the bonus. I was told that because I don't have a money market account with them, i'll have to add an external checking account to get the bonus deposited to, which I did. Few days later, I chatted a gain to see if theres any updates, I was asked again about the money market account, I repeated the previous conversation again, opening and/or having a money market account is NOT a requirement to get the personal loan bonus. The agent said that she marked the ticket with that information and that I've already added an external checking account as instructed. I just chatted again today with SoFi and it's the same conversation all over again. Same thing for the person who referred me, she was told to add an external checking account, which she did, and still didn't receive here referral bonus of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe that the Consumer Protection financial Bureau has not service the purpose that it was created for. Under this present President I don't see where they have help to resolve any issues. I have had issue with Well Fargo Home Mortgage, and Well Fargo Bank for the last ten years. This banking institution has not been great with the Afro-American community. In the last few weeks we have suffer discriminate in the Police Department, and Had a XXXX man executed in broad day-light by the people we pay taxes too, and on the door of their police car their is a sign that says " Server and Protect '' what a joke!!!! that the same feeling I have about Well Fargo Bank. This Institution is suppose to assist their customers in a professional matter, but when I look at the overall services that I have receive over the XXXX years that I have been with Wells Fargo Bank. I would definitely inform any person of " XXXX '' not to do business with Wells Fargo Home Mortgage or Well Fargo Bank, N.A. I have taken a look at my mortgage payment 's form and notice that I am paying more interest then principal. How can I be paying more interest then principal, after being with them for more then fourteen years. On top of that the interest rate at this time is " XXXX '' with the federal reserve, and I have an adjustable loan at this time. I don't trust Wells Fargo Bank, and I can not not wait to make a move to another loan institution, so, that I can get away from this illegal institution ( Wells Fargo Bank ) I am XXXX years in this world, and if any " XXXX '' person hears this message please don't do business with this particular banking Institution. They are dishonest, and They do not mind discriminating against the " XXXX '' community.

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 2023-01-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In late XXXX, XXXX, I opened my monthly Home Depot account statement with a closing date of XX/XX/XXXX and discovered two charges on XX/XX/XXXX that I neither made nor authorized. The first charge was in the amount of {$1000.00}, the second was {$1200.00}, for a total of {$2300.00}. I immediately contacted Citibank, the card issuer, to report the charges and request a fraud investigation be conducted. I also directed them to close the account. I was advised in one of several subsequent conversations with Citibank 's Fraud Department representatives that the charges were made in " the XXXX ( TX ) area '' ( I live over XXXX miles from " the XXXX XXXX '' in a town north of XXXX, TX ) but they could/ would not tell me which store ( XXXX ) the purchases were made in, nor could/ would they tell me what was purchased. Incidentally, in-store and on-line Home Depot purchases are shown in the Home Depot app for at least 2 years - mine currently shows purchases made back to XXXX, XXXX - and these two purchases are NOT shown in my purchases history.

A couple weeks ago, I received a letter from Home Depot Credit Services dated XX/XX/XXXX advising me that their fraud investigation was complete, that they were rejecting my claim of fraud, and that I was responsible for the {$2300.00}. There was no justification given for the decision beyond " the facts and/or information reviewed ... does not substantiate the claim of unauthorized use ''. This is a terrible decision and I, an innocent consumer and long-time Home Depot customer who has spent many XXXX XXXXXXXX there over many years, am now being held responsible for purchases I neither made nor authorized. I have no reason - financial or otherwise - to purchase or authorize purchasing of items from Home Depot and then claim I didn't. Their decision is baseless, unfair, and frankly insulting. 

After receiving the XXXX letter, I've filed a police report with my local police department as well as this complaint with the Consumer Financial Protection Bureau in the hopes that Home Depot / Citibank will reopen and reconsider this grossly unfair 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 monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 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 ( XXXX ) 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 : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX  : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2019-10-15
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: Reporting company used your report improperly

Complaint:
I have had an account opened XX/XX/XXXX with XXXX XXXX XXXX and the account was paid off XXXX of XXXX. I asked them numerous times since this account is PAID IN FULL to please remove from my account. I have had no luck getting this removed from my credit reports. This is why I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Greetings, on XXXX XXXX, 2022, I was approached by a company that has been offering investment opportunities. They will guarantee my investment and that their company XXXX and changelly will secure my money. I never made the investment until the XXXX of XXXX for {$500.00} then she came back saying that if i can afford more money my profit will grow drastically so i told her that i dont have any more money so i invested an extra {$200.00}. The profit will be ready in XXXX XXXX 2022 and that my money will be available for immediate deposit to my bank account. On XX/XX/XXXX. When it was time for me to receive my funds, she texted me and said that i need to pay the XXXX XXXX of the amount of {$1400.00} dollars in other to receive my funds but was never told that at the beginning she said i had to pay the XXXX XXXX once my funds get deposited in to my bank account. Now I sent the {$1400.00} to the company XXXX and then I received another email saying that my money has a transaction fee of {$850.00} to pay in order for me to receive the funding to my account, so I kept talking back and forth with XXXX XXXX XXXX who is supposedly was and is my broker and she says that i need to send the money in order for me to get the funds deposited. So, I never sent the payment and told her that I will file a police report and so on. I file a claim with the FBI internet crime complaint center. I also filed a dispute with my bank, XXXX XXXX XXXX, which has now refused to send me a new debit card, and I am not at home ; we are currently in XXXX for my wife 's XXXX XXXX XXXX that ; she will be starting on XX/XX/XXXX. At the XXXX XXXX. In all they stole from me {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There were also several inquiries that are not mine : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I really need help with this im doing this by myself and need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022 I sent information to the three major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate. 

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is 100 percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter. 

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not 100 percent correct. It is also my undertanding that you have 45 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validate Account according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Its been ongoing since 2020 during the pandemic. My SSN was stolen and its reaked havoc on my credit score. XXXX XXXX is not my fault nor my responsibility!!! Please remove this from my credit report immediately. Ive sent letters, police reports and have called numerous times. This account is fraudulent!!!

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm XXXX years old, and up to now, I've had minimal experience with banking. My parents helped open my account when I was a minor but my banking experience was limited to direct deposits and debit card transactions. 
I deposited two checks I was given through an internet transaction. The bank cleared the funds into my account for thousands of dollars, even though I only had {$30.00} in my account at the time. Shortly after, the person who gave me the check demanded a refund, so I agreed to refund his money, not knowing that the checks he gave me were fake and would ultimately bounce.

Now Huntington says I owe them {$2000.00} for the fraudulent  checks. 
Huntington did not follow reasonable practices and procedures to protect my account. I now realize that the checks were both obviously fake, but Huntington lifted the hold without reviewing the checks : 1. Both checks had a seven-digit routing number when all routing numbers must be nine.

2. One of them was a third-party check and was not endorsed at all, including the third party.

3. The check number on the top of the check did not match the one on the number line.

4. The check number on the number line was the same for both checks, even though they were written for different amounts and to different people.

Huntington lifted the hold on these checks without even looking at them. When the hold was lifted, I thought the checks had cleared. 
The person who gave me the checks demanded I refund his money. Assuming that his checks had already cleared, I refunded the money. Now Huntington says I owe them {$2000.00} and they do not want to take any responsibility for their poor processes that led to the loss of the money. 
To add insult, they are adding fees to the balance because the non-checks they cleared bounced. 

I'm a victim of bank fraud, and Huntington Bank 's lack of commercially acceptable practices failed to protect me. They should not have cleared what was obviously fraudulent documents resembling checks without any professional oversight. Further, they cleared a check written to a third party that was not endorsed, which is a banking compliance issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: University Lending Group, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This letter is in regards to University Lending Groups servicing of a XXXX XXXX loan taken out on XXXX XX/XX/XXXX. Throughout the process there have been numerous delays in construction although we are nearing completion. The servicer of my loan has been a primary source of the delays from the start although there have been supply chain delays and XXXX related delays as well. I have had to take out multiple additional loans after the bank said they would allow a necessary changes but would not pay out once they were done. This resulted in several weeks of delay due to having to find a money source. The renovation originated to bring the home up to XXXX standards to meet my needs as I am a XXXX veteran. They are now saying that I will be in default at the end of this month although I have paid the mortgage consistently and have made every good faith effort to complete construction. They are not following the XXXX XXXX change in XXXX of XXXX allowing up to 15 months and, in rare cases, 18 months. The time-line problems and the servicers refusal to distribute the mortgage as needed have put my ownership of the home into jeopardy as I can not refinance for a new mortgage due to the loans I have had to take out as a result of them not distributing the funds. Finally, they are refusing to distribute funds for a generator that was an oversight. The wiring is set up for a home generator but was not noted on the plans. This generator is a medical necessity as I must have assisted breathing requiring constant electricity. How do I get the bank to comply with the XXXX XXXX guidelines and distribute the funds as I can barely afford the home at this point due to all of the loans I have taken out in addition to the mortgage? Additional details and medical documentation are available upon request. Please assist me in this matter. My information is as follows : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 {$950.00} I disputed with company and credit bureaus numerous times. I advised them that I didnt go to the hospital on this date. This is not my debt. I also asked for documentation such as a copy showing my identification and signature and they both failed to comply.

Its a third party collection agency collecting on a medical debt is on violator hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation