BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NC
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 several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX1 DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
An adversary can sign up to experian with my SSN and birthdate and de-facto take over my account on the website, since their new registration will supersede my old one. Security researchers like XXXX on security have discussed this for years and Experian has done nothing to address it.

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 2022-12-23
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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:
On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, XXXX, Experian ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.

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 2022-03-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3  % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team. 

Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week. 
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A

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 2021-06-30
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I asked the fraud department at Simmons Bank XXXX XXXX Arkansas to dispute 2- {$300.00} transactions, withdrawals by XXXX which I did not authorize. I am being told because I entered my debit card into their app, I can not dispute the charges. I was in the office of XXXX, I believe XXXX, of the XXXX XXXX branch of Simmons Bank the afternoon of XX/XX/XXXX. At that time, only 1 transaction had occurred. In her office, I logged into the app and removed everything connecting XXXX to my checking account. There was no card information in the app when the second withdrawal was made from my account. The bank will not dispute this transaction either. 

In this app, every transaction receives specific authorization. I never gave XXXX blanket authority to access my account at will. I do NOT understand why my bank not only won't dispute the charges and recover my money, but they told me to close my account and I would not be allowed to open another at XXXX. This is what 36 years of business gets you at XXXX. 

I am the victim here! This {$600.00} is more than XXXX of my social security check. 

Do I have some avenue to dispute these transactions. I tried communicating with XXXX over and over. All they did was send me software instructions for making a transfer. 

Can you help me? I have about a XXXX dollars between me and the XXXX Wednesday of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
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 have a fraudulent Hard credit check on my Experian report showing as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, AZ on XX/XX/XXXX I spoke with XXXX XXXX and they confirmed that this was fraudulent, and that they turned that address over to the XXXX police department in XXXX of XXXX, closing the branch. 

Please remove this FRAUDULENT charge.

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 2020-03-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third began servicing my mortgage in approximately 2016. At the time the mortgage was originated, we had to pay PMI. We reached out to 5/3 and asked about the process to have it removed, and were advised that after a year of payments, we could request to have it removed. We paid for a year, and called to request to have it removed. 

We were advised that we needed to pay for an appraisal to ensure that we met the LTV ratios. We did so. 5/3 sent an appraiser and charged us over {$500.00} for the appraisal. The appraisal came back, and our request to remove the PMI was denied. Apparently we were {$4400.00} away from the appropriate LTV ratio. 

We made payments for another year. We contacted 5/3 and requested for the PMI to be removed. This time, we submitted an online valuation of our home. 5/3 again declined our request to remove the PMI, based on an even LOWER LTV ratio, and advised us that we should order an appraisal for {$150.00}. 

I called 5/3 and said that I thought their business practices were unfair, deceptive, and designed to rip off customers and enrich 5/3. They charged us over {$500.00} for an appraisal, and a year later, they said that an appraisal costs {$150.00}. In the meantime, they continued to collect PMI from us, in the amount of approximately {$250.00} per month. 

They declined our request to remove the PMI, and gave different standards and guidelines for removal each time, and different reasons for why we were declined each time. They also gave conflicting information on the cost of an appraisal. 

5/3 had someone call me back, and I never spoke to this person. They left one message with me, and I have left at least 10 messages with 5/3 's requesting resolution of my complaint. I even requested an appointment to speak with someone because I could never get in touch with anyone. I have not received a response. 

In the meantime, 5/3 has continued to collect PMI from us each month, even though we met the required LTV 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want you to update this account as I am never late in 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-08-15
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-07-21
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX Auto XX/XX/XXXX XXXX Auto XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally financial XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-03-23
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Approximately 6-months ago ( according to staff ), Experian had a software issue that caused data loss on two of my credit cards, and all my Boost self-reported accounts. As a result, my credit rating dropped XXXX overnight! 

I contacted Experian several times to no avail. I also contacted the issuing bank, and they confirmed to continue transferring data to Experian. I also disconnected, and re-linked the two missing credit cards to Experian several times to refresh the connection.

Experian confirmed to have both missing credit cards linked, but no data is being collected to show my on my credit history, and all my self reported accounts are still missing on the Booster history. 

Despite my many calls and complaints, Experian has neglected my requests, and has not made real effort to remedy the situation. It has cost me a lot of time, effort and loss of advancement opportunities due to my inaccurate low credit score. 

I last spoke with Experian agents this morning ( XX/XX/22 @ XXXX XXXX ) and was given the following case numbers XXXX ( XXXX XXXX and XXXX ( XXXX XXXX, but no real solutions to my problem. Please help, this has been going on for too long! 

Sincerely, 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 explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the XXXX point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

Equifax systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. Equifax rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. XXXX XXXX XXXX XXXX neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use my credit report.

Company response to consumer: Closed with explanation