BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2021, I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person, I am begging for help at this point. This is my second time writing this message. I am who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

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 2022-09-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXX dollars and the balance on the card is still XXXX dollars. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXX dollars and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXX dollars please on my XXXX XXXX XXXX XXXX Credit card please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citibank promotion to open a Checking account. The promotion was for a {$1000.00} bonus for depositing {$75000.00}. I opened it at their XXXX, IL branch to make sure I did everything right. The promo was as follows : Open a new checking and enroll in offer. 2. Deposit funds within 20 days. I deposited the same day.3. Maintain balance for 60 days from the 21th day. I opened the account on XX/XX/XXXX. I am still waiting for them to deposit the bonus in my checking account. I contacted citibank and was told that I should have received the bonus and thy would open a dispute on XX/XX/23. I should be resolved in 5 days. It has not. I went to the XXXX branch and asked them to check into. They said they would email the person handling the dispute. They said they would contact me later. Nothing.

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 2023-06-10
Company: Mortgage Research Center, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have encountered significant problems with the business practices at Mortgage Research Center , LLC, operating as " Veterans United Home Loan. '' These issues involve a disregard for privacy rights, failure to include my husband in communications, a monetized real estate broker referral operation, dismissive response to my concerns, problematic content in emails from their managers, and instances of retaliatory behavior. It has become evident that the managers referred to as " advocates, '' hold complete control within the company, with no higher authority to address these matters. 

I received a referral from Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' to a supposedly " top-rated, '' " experienced '' real estate broker with claims of additional training. Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' made further claims regarding their real estate broker referral operation, stating, " I do want to let you know about our " Bundled Benefit '' that you would automatically qualify for by using the agent we recommend and our loan team this will save you money at the closing table by buying down your interest rate, saving you money over the lifetime of your loan! ". 

However, the referred real estate broker did not meet our family 's needs. Subsequently, I found a different real estate broker and brokerage that is currently meeting our needs. It was not initially clear to me that Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' had a financial interest in the referral rather than prioritizing our best interests. This information came to light after terminating the relationship with the referred broker. When presented with a contract regarding this affiliation before another potential referral, I promptly refused to sign the agreement and declined any further referrals. I have no memory or documentation of signing an affiliation agreement, nor does my husband. 

I am concerned for the well-being of other real estate consumers being marketed to by Mortgage Research Center , LLC, operating as " Veterans United Home Loan , '' and the impact of their business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone got my information and I dont feel safe with this company

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 2018-10-31
Company: EQUIFAX, INC.
State: VA
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 contacted the Bankruptcy court about a bankruptcy thats showing on my credit report, that shouldnt be.. The clerk stated that they do not report to any of the Credit Bureaus or third parties. I disputed this with Equifax and they keep stated that it is reporting correctly, but have yet to provide the name and information of who they received this first hand knowledge from, to show that it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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 is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NC
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:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as XXXX XXXX XXXX XXXX XXXX, and XXXX have contributed to these denials. XXXX XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus Experian, XXXX and XXXX  about the unverified accounts XXXX XXXX  acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: National Credit Adjusters, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I called National Credit Adjusters @ XXXX because the company was listed on my credit report. I was advised that I owed a balance of {$620.00}. I do not recall opening any credit cards during that time and I believe it may be fraud. I was told by the agent I spoke with to go on this website to report what I believe to be frraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions.

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: LD Holdings Group, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot is wrongfully double charging me for an escrow shortage that has already been paid. I received an escrow summary from LoanDepot dated XX/XX/XXXX stating I had an escrow shortage of {$220.00}. ( exhibit 1 ). The document stated, if I paid the shortage up front, my new monthly payment would be {$990.00}. If I did not pay the shortage, it would be divided evenly over XXXX mortgage payments, with a new monthly payment of {$1000.00} beginning XX/XX/XXXX. 

I paid the escrow shortage up front on XXXX XXXX. ( exhibit 2 ). However, my monthly payment still went up to {$1000.00} on XX/XX/XXXX. ( exhibit 3 ) In sum, I'm being charged double for an escrow shortage. 

I called LoanDepot to report this in XX/XX/XXXX. I was very rudely told to put it in writing on their secure message center. I put my claim in writing on XX/XX/XXXX and was blatantly ignored by the company .I followed up several times with written messages, but received vague generated responses. Almost one month passed and I called the company again. I was put on hold and nothing was resolved. 

I then spoke with my local loan officer who studied the documentation confirming there was an issue. He directed me to call and speak with a supervisor. On XX/XX/XXXX I was finally able to speak with a supervisor after multiple attempts and being put on hold. After one hour of arguing and explaining the situation, the supervisor confirmed I was being charged double by the company. 

The problem was referred on that day for a call back, but was not resolved. It's been XXXX month since I have been trying to resolve this issue and I've been blatantly ignored. Not only am I being double charged, but the manner in which it has been handled has been extremely unprofessional and morally wrong. I have not been taken seriously and have been blatantly ignored. They are impossible to reach and when you do reach someone, you are passed around, put on hold, and patronized. This is not a trustworthy company. 

Attached is the documentation supporting my claim. Addresses have been redacted for privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got this auto loan and there are fees on this that are against a Fair credit reporting truth in lending and a bunch of stuff I know the cfpb and New York State attorney general has a class action lawsuit against credit acceptance I look for updates all the time I am having a hard time getting this removed off in my credit report the car blew up in XXXX I contacted them right away they wouldn't work with me they wanted their money and I completely understand that but at the same time it was going to cost over {$5000.00} to fix this car it's a XXXX XXXXXXXX it's not a brand new car I'm doing everything in my power so something is done about this it's getting to the point where I'm going to have to take a legal action myself because with everything inside me they will not get away with this so-called fraud I was looking on my documents and it said {$910.00} to be paid to others on my behalf what is that all about I want them to explain that to me and my down payment? My down payment wasn't even taking off the loan I'm going to attach my loan document so you can clearly see that they took {$12000.00} and then they added my down payment if my down payment would have been subtracted off in this loan and I wouldn't have been charged XXXX interest and the XXXX as well as others that I got charged this car would have been paid off this is not right and I know you guys at cfpb know that this isn't that right that's why you guys have an open class action against them and that's why credit Acceptance stock market is declining I already know they paid Massachusetts XXXX XXXX back to customers that they frauded something needs to be done with this company it's not fair that they take advantage of people with low credit and low income that's totally wrong they have no conscience either about what they're doing and that's so unfair as long as their wallet is fat that's all that matters to them and that's wrong because she now I am stuck without a vehicle and I can't get a loan know-how and they're flagging my account constantly they've even ran hard inquiries on my credit report they've even called me on a Sunday when I was having dinner with my family at XXXX in the evening I'm going to contact my phone company and get a printout of the phone calls since the car got repoed they won't even tell me where the car is located unless I make a payment I've got stuff in there that I need back that means a lot to me I really truthfully did not think that they would come and get it because of the year and the motor was gone but I was dead wrong on that

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