BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I feel that I may have become a victim of predatory lending from representatives of First Home Mortgage. I placed an offer on a home in XXXX of 2019. Although the loan was approved, I chose to rescind the offer on the home. I informed the lender, via a verbal telephone conversation, I did not want my loan over {$1800.00} per month and I required down payment assistance to put down and little cash possible. He assured me all would happen. My loan ended up being placed at one of the highest interest rates available and although I did not qualify for down payment assistance, I was never told until I questioned information that was being forwarded to me. They attempted to include a second mortgage in the form of down payment assistant and disguise it as a program. The final offer from the mortgage companies company consisted of a mortgage at a slightly lower interest rate, however they insisted on depleting my saving and attempted to have me move into a home with nothing. I filed bankruptcy over two years ago and did not want to put myself in a position to lose a home, possible go into deeper debt, ruined my credit and possible lose my job. One of the requirements of my employment is to stay in good financial standing. Although I submitted documentation supporting I could not afford the loan, the lender told me well before approval the underwriter planned to approve regardless. That they would look bad if they did not approve a loan for a XXXX women and I would have no choice but to refuse the loan and owe my realtor a 3 % commission and be sued by the home owner. I was being made to feel like I had no choice in the home purchase, refuse and be sued. The lender along with the realtor attempting to use the threat of a lawsuit to scare me into a home purchase. I was never provided a correct closing disclosure document although I requested it several times prior to the scheduled closing date. I am requesting assistants in reviewing how the loan was processed and if it should have been approved at all. The underwriter requested additional information, a budget and a statement on why I filed bankruptcy. I believe the lender used a part-time job I have worked for less than two years to qualify me. I am not confident they submitted documentation reflecting this. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filled a report ftc and police report for identity theft. For the last 8 months I have tried to open up an account with navy federal and was not able I called them and they said I had an account which I never did. They did restrict all account access Im currently building credit and working towards getting loan approvals. They refuse to open me up a account even with the information I have provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. TRAN 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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter out on XX/XX/XXXX to Experian. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

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 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I must convey my dissatisfaction with your decision to reject my identity theft claim, citing a mistake or material fact misrepresentation as the reason. This poses serious questions regarding your ability to define what constitutes a tangible fact. It is crucial to stress that your position does not give you the authority of a jury or judge, nor does it give you a natural right to render such decisions. 

In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I'm willing to give you one more chance to respond to my request regarding identity theft. I shall be forced to take legal action through the legal system if I don't accomplish this. If that is the case, you will be responsible for the damage you have caused to my credit, reputation, and emotional suffering during this entire experience. It is quite possible that the meaning of a material fact will be made evident in court, and you might have to pay me back for your carelessness.

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a XXXX rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
These are not my accounts. This is a 3rd request. Please remove them from my credit profile. 002 Belongs to another individual with same/similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$410.00}.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have contacted the furnisher and they agreed to REPAIR the account and remove the late dates from it. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : 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 2023-11-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: UT
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:
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 non-monetary relief
Consumer complaint received 2023-12-04
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
At the day XX/XX/, the US bank closed my account. ( My account number : XXXX ) and I have no idea why they closed my account. 
Also, I tried to call and ask to US bank customer service but they do not give me any information about the case and always automatically shut down the phone. 
I really want to know what day exact they give me back my money and the reason why they close my account because I do not want it close, they have usually used for a long time with nothing happened.

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 2023-08-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute case number XXXX I told the bank I had issue with the merchant, I received wrong items and damaged item, the item I received and what I ordered is not the same, the bank failed to resolve this matter although I have sent them evidence I had with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NV
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:
Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$410.00}.

Company response to consumer: Closed with explanation