BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PRESTIGE FIN Made on : XXXX XXXX - XXXX XXXX - XX/XX/2018 Made with : XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a process for a conventional, cash out refinance on XX/XX/XXXX. Today, XX/XX/XXXX, I was told that the refinance would not be approved. Throughouth the process I dealt with misleading communication, at one point being told the amount of the loan would be changed by approximately $ 25k. I was sent at least four sets of closing disclosures and they did not have full breakdowns of costs, listing approximately $ 3k as " other fees ''. 

I was very timely in providing necessary documents, statements, and communication but would go weeks at times without hearing from the lender at all. 

After the lender tried to drop my loan amount by $ XXXX, I told them I did not want to continue the process as it had already been about five and a half months, and within 30 minutes, the lender reached back out and told me they could run the loan a differen way and the loan amount went from $ XXXX to $ XXXX ... in 30 minutes. 

This process has cost me almost a full six months that I could have been working with someone who actually wanted to close on the loan, it has caused me financial hardship and an untold amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Synovus Bank
State: AL
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 was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In reviewing my LexisNexis consumer report, I noticed very old information about apartments I've lived at, old addresses from when I was a child, old homes I no longer own and haven't lived at in decades, and I was unable to get any assistance from their representative in getting these items removed. If my credit report can not contain data from before 10 years ago, I don't see why LexisNexis data can contain a lifetime of information about me, especially since some of this is when I was a child and had no consumer data. If they are also bound by the Fair Credit Reporting Act, then I don't understand why old, stale, and inaccurate data can not be removed. 

I ended up freezing my report, which really isn't ideal, but they left me with no choice. The report was 140 pages of data and the majority of it was stale data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-03-08
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-06-18
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The following information is incorrect and not associated with my name or social sec # Incorrect : XXXX XXXX XXXX XXXX XXXX - NOT LISTED ON AUTH FORM Correct : XXXX XXXX XXXX Zip- XXXX - IS LISTED ON AUTH FORM Incorrect Criminal Background : SELF-REPORTED CONVICTION XXXX  XXXX  Correct Criminal Background : NO CRIMINAL CONVICTIONS I never reported a conviction- First Advantage Placed a comment in my report that was furnished to XXXX which resulted in my not getting 2 different jobs. I contacted First Advantage - XXXX & XXXX XXXX to report several inaccuracies and each one told me there is nothing they can do, the report was already completed and can not be changed or updated regardless if the info contained is incorrect. 

Neither has provided me an option to correct the inaccuracies and neither is willing to investigate. Since XX/XX/XXXX I have been contacted by XXXX 5 times and have accepted 2 job offers, both which were rescinded for failing the background check, since the report contains a " XXXX XXXX ''. 

First Advantage has stated their criminal check came back CLEAN but since I self reported pending charges they have the obligation to place that on my report as a CONVICTION, regardless if they can verify that or not. Which they stated it was verified that I have no criminal convictions. But, someone at First Advantage or XXXX placed a comment on my report that states " SELF REPORTED CONVICTION '' and that is incorrect. 

I Have called several times since XX/XX/17 and most recently XX/XX/17 and both keep passing the blame and transwet the call back between one another. 

The background report asked me the following shown below. The report even has a note state the type of information that should be placed on the final report which is contradictory and the questions asked are confusing to a consumer. I am told not to report anything but a conviction, but then ask if I have pending charges and then goes on to state if I dont report something I wont get the job. 

I DO NOT have any criminal convictions and now I cant get a job because of this. 


Q & A from consent form : HAVE YOU EVER BEEN CONVICTED OF A CRIME : NO ANY CHARGES PENDING AGAINST YOU IN ANY COURT : YES TYPE : XXXX  YOU DO NOT HAVE TO IDENTIFY ANY RECORD OF ANY ADULT ARREST. 
ASSOCIATE BACKGROUND SCREENING SYSTEM INSTRUCTIONS : for ALL states do not include a record or any adult arrest ... ..sealed or expunged records. 
IF YOU DID NOT PROVIDE INFORMATION OF PENDING CHARGES EXPLAIN WHY :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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 have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX filed on XX/XX/17 Regarding my complaint filed against Wells Fargo for resending on an agreement for their written payment arrangements on an FHA home loan we had and were having difficulties during this US time frame. I filed a complain do to this as well as personal property loss from said property as well as loosing our home and property. My name was XXXX XXXX XXXX at that time now legally changed to XXXX XXXX XXXX. Wells Fargo is currently under scrutiny for this type of wrong doing and a class action suit. I would like my case formerly to be looked at again as I reported this and gave supporting documents. This wrongdoing made a family loose their home and possessions. I also uncured over draft fees. 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 2019-05-06
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a bait and switch complaint. 
I am writing to request Barclay 's and XXXX XXXX   honor their joint offer and post XXXX reward miles to my account. In XX/XX/XXXX, I applied for the Barclay 's XXXX XXXX XXXX XXXX Mastercard on an international flight. The flight attendant enthusiastically described how easy it was to take advantage of the XXXX bonus miles, " Just make a purchase, any purchase, within three months. It could be a pack of gum! '' She made it clear that there was a {$95.00} annual fee and the brochure also made that clear. What was not clear, either in the airlines ' presentation or on the brochure/application, was that the {$95.00} fee needed to be paid in the first 90 days. 
Here are the facts of my complaint. As soon as I received the card, I made a charge on XX/XX/XXXX of {$140.00}. I could have paid it in full as I normally do, but opted for the monthly minimum payment so the card would show activity and that I was paying interest in good faith. I figured it would take several weeks for the miles to post. I called the XXXX  number twice in early XXXX to follow up on when the miles would post. I was told each time that it takes a while and to be patient. In XXXX I called again and was directed to Barclay 's to inquire. On XX/XX/XXXX, I called Barclay 's and was told that the {$95.00} annual fee needed to be paid within the first three months. I had paid three {$27.00} payments totaling {$81.00}, so was {$14.00} short of the {$95.00}. I opened a case with XXXX, # XXXX.I contacted XXXX XXXX about their joint offer with Barclay 's , but they said they are not responsible. I pulled out the brochure I'd received believing I had carefully read the stipulations. 
This complaint is for bait and switch because there are several stipulations highlighted and footnoted on the first five pages of the brochure, at least three of them relating to the {$95.00} fee, but it is not made clear that {$95.00} must be paid in the first 90 days. I received a letter dated XX/XX/XXXX from Barclay 's stating they are unable to assist with my complaint. This response is unacceptable, so I am following up with the CFPB, the Delaware AG office and the XXXX XXXX XXXX I trust organizations like Barclay 's and XXXX XXXX to participate in good-faith advertising and not traffic in misleading promotions. What happened here may be legal, but violates the spirit of the law. 
Attachments Include : a copy of the brochure/application received in flight, copies of my statements, and the letter received from Barclay 's.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXXXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXXXXXX XXXX XXXX ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
I contacted Equifax and XXXX by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On XXXX the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On Equifax the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.

Company response to consumer: In progress
Consumer complaint received 2023-03-05
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was not informed of an increase in my monthly payments on my mortgage. I was notified by mail on XX/XX/2023 of a shortage and late payment. We have paid through my credit union bill pay with no negative history. Our monthly payment was sent to a different file due it not being a complete payment. I contacted them on XX/XX/XXXX ( Monday since they are closed on weekends ), and they advised that as long as the payment is sent in and " Date time stamped '' by the end of the month we would not be in default. They advised it would take several days to process but as long as that it is sent by the end of the month there would be no issues. I paid the balance through bill pay with my Credit Union on XX/XX/XXXX. They received it and sent it ( according to their records ) on XXXX XXXX. It was not processed until XX/XX/2023. 
I have contacted Gateway Morgage multiple times and they have refused to acknowledge their error. Even when they listened to the recording where we were specifically given the stated information, they still refused to fix the issue. My last conversation with a supervisor she acknowledged that we were given improper information by their representative, but she still refused to provide any assistance. My wife 's and my credit rating both dropped significantly due to the incorrect information that their representative gave us. Furthermore, they have absolutely refused to assist us in any way. Our credit rating has been excellent with no issues in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ALLY FINANCIAL INC.
State: CT
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:
To Ally Auto XX/XX/21 To Whom It May Concern, I am writing this letter in regards to a late payment ( or late payments ) reported to my credit report for my { Ally Auto Financial } account. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to financial hardship difficulties, I was impacted by covid 19. Ive called XX/XX/XXXX to see if I can have my payments defer and also today XX/XX/XXXX and representative was unable to assist me Ive been paying what I can }. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, { 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 2021-03-08
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three accounts and two inquiries on my credit report that do not belong to me I have not signed or used or know what these accounst are for I need them off my credit report since they are not mine!!!! 

XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX - Account # XXXX Amt {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/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