BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I contacted Equifax to remove dispute comments on credit report as I was trying to obtain a mortgage and needed these items removed. I was told in 72 hours the system will be updated and items removed. With that information I advised my mortgage company to go ahead and pull the credit again in 72 hours to reflect no dispute comments. To my surprise, my mortgage lender told me dispute comments still there over 72 hours later, and I was denied a 2nd time. On XX/XX/XXXX I immediately contacted Equifax again only to be told that they had no report of me calling, and yet again requested dispute comments to be removed, I was advised yet again they would be removed in 72 hours. Being skeptical I called back, and was advised there was a system error and no dispute comments were removed and that " maintenance dept '' would have to handle it. I advised the rep that time was of the essence as I may lose my house due to this incompetence, she said she would try to remove them again, she told me she was able to get them removed. She  provided a confirmation number. On XX/XX/XXXX I called in again and was told no dispute comments are on my report. I am so wary because I cant trust what they say at this point. I asked to have inquiry removed as their incompetence has caused me another ding to my credit. They stated they could not do anything to remove the inquiry. This company is outsourced and reps can barely speak comprehendible English. I asked for verification as they said they will email me it to me ... never came. She stated she would also mail it to me. When I check confirmation number in their " check status '' it says cant be found. I am at a deadlock because this company has fallen through many times! I am not able to obtain a mortgage unless they do their job! Their service is highly incompetent and poses a risk to the American consumer. Rep purposely refuses to hang up when advised I'm waiting for the survey after the call. When you call in and ask a question, they say " Ill place you on a 2 minute hold '' and they don't come back for some time, only the next question you ask they do the same " hold ''. Call is held many many times. This company is blocking me from receiving credit as they don't do their job as required. I am at a standstill because I cant suffer another inquiry only to be told they didn't remove the comments as directed. That will drop my score so low I wont even qualify for a mortgage at that point. I kindly ask someone find out what is going on at this company. Sad thing is, same scenario happened to my husband ... same dates!!! We called right after one another even with a confirmation code given they said no record of XX/XX/XXXX request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: OPORTUN FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Oportun put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my XXXX  file so they have been giving me XXXX XXXXs meanwhile they sort everything out. I find it extremely unfair that Oportun would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-01
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed Disputes for items.not received with revolut bank and they refused to honor the dispute. Instead they closed my account and sent me emails saying they could not dispute as the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Zillow Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Zillow Home Loans during their application process pre-approved me for {$450000.00} with a soft pull and I was hoping to get a letter of pre-approval from them as per their site. 

They then asked details and I furnished it. 

a ) They did not issue me pre-approval letter as per the site approval amount and this needs to be issued to me. 
b ) They did a hard pull on my credit file without my consent on XXXX XX/XX/2023 and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Tried talking to them about the reports they were rude and disrespectful only wanted to know when I could send some money one even asked who I bank with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
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 is my follow up complaint as an assurance that the EXPERIAN, XXXX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this dedt since 2020 with no results. I have disputed the account with XXXX only to be told that the information is accurate. I have further filed a complaint with the XXXX complaint number XXXX and the collection agency has yet to respond to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened XXXX trust accounts at Truist bank, depositing close to {$5000.00} in each account. 
Shortly after I was told I had to open a personal account to have access to my online banking. I then opened a personal account. I started transferring funds from my other bank accounts to use Truist for all my banking needs. 
On XX/XX/XXXX, I deposited XXXX cashiers checks into my personal account : XXXX from my business account at XXXXXXXX XXXX for {$120000.00} and XXXX from my business account at XXXX XXXX for {$53000.00}. 
I was told that a hold would be placed until XX/XX/XXXX. On XX/XX/XXXX, I went into the bank in XXXX and was told my account was on hold by I believe his name was XXXX, not sure. We called Truist customer service stayed on hold, then the banker had to call another number and we stayed on hold, then I was instructed to call another number. Spoke with the lady and she mentioned something about a hold in the fraud department. I stayed on hold another XXXX minutes and then the phone hung up. 
I went into the branch in XXXX, spoke with XXXX, the only thing I was told was that my account was closed on the XXXX of XXXX and a letter would be mailed. I received the letter a few days later and it stated I would receive the funds within XXXX business days if funds where not collected at the branch. They would not let me withdraw the funds at all and it has been more than XXXX business days. 
I have called to no avail and have been on hold for almost an hour. I need my money now!

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 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Contacted Capitol One credit card regrading card account. XX/XX/2023 spoke to account rep explaining that I am dealing with a hardship lose of employment. I stated that I am calling to find out what my options are so that I am able to keep account in good standing with Capitol One. The account rep told me that I would qualify for a three month program that I would not be charged late fees. But, Capitol One can place on credit bureau that I am late with my payment. I contacted them early on so that I will not have to be faced with this issue. Asked what I can afford to pay but my payments are the same. So I feel that this option was not a resolution to resolve what I am dealing with a loss of employment. I stated I can't afford the payment that I have to pay at this present time. I was mislead within how this program was explained to me. No assistance on being able to stay in good standing with Capitol One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NY
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:
request deletion of XXXX XXXX XXXX account ending XXXX due to the fact that XXXX XXXX  request to delete this trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 belongs to someone else

Complaint:
This is my CFPB complaint to notify you that I want to delete some items on my credit file. Regardless of my previous dispute, the items listed here are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. The following items should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-01
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/23, Merchants Credit Guide illegally and aggressively reported {$1400.00} for the XXXX XXXX XXXX XXXX, Account # XXXX to all 3 credit bureaus without even notifying me of this debt. I have XXXX knowledge of this debt! They failed to provide me any correspondences or notifications. XXXX is my insurance provider. XXXX pays all of my medical bills and no medical bills or medical debt is reported to credit bureaus because they pay them! I am requesting that this debt is removed and deleted from all 3 credit bureaus and that this company is penalized for their actions. 

On XX/XX/23, I disputed this collections with XXXX for removal, and today, XXXX, XXXX emailed me saying Merchants Credit Guide confirmed this debt and XXXX said there is nothing they can do ; to contact CFPB for support, which is why I am reaching out for assistance. Debt collectors just can't go around reporting unknown debt straight to credit bureaus without even properly notifying people for validation etc ... and failing to provide any notice or awareness. This is completely unethical! 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Under 15 U.S CODE 1681E ( B ) AND 15 USC 1681i ( 5 ) THE ACCOUNT REFERENCE NUMBER XXXX WISCONSIN CHILD SUPPORT HAS VIOLATED MY RIGHTS. THIS IS NOT REPORTING 100 % ACCURATE IT LIST THE CHILD SUPPORT COURT AS THE FURNISHER THATS FORGERY AND MISLEADING WHEN THE COURTS DONT REPORT THIS TYPE OF ACCOUNT PLEASE REMOVE 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 2019-02-02
Company: Seterus, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The below paragraph from you Seterus, Inc. from the response of the complaint XXXX The amount disclosed on the Notice of Intent to Foreclose consisted of the XX/XX/XXXX, and XX/XX/XXXX, contractual installments each in the amount of {$1100.00} minus the funds in suspense on XX/XX/XXXX, in the amount of {$210.00} which equals the amount of {$2000.00} disclosed on the notice. As of the date of this letter, the loan is contractually delinquent for XX/XX/XXXX, installment in the amount of {$1100.00}. 

I have attached XXXX and XX/XX/XXXX Bank statements proving AGAIN I did not owe Seterus , Inc . The mortgage payments were transferred by ACH. These complaints are not about the XX/XX/XXXX mortgage that is not paid. This is about returning my money overpaid to Seterus back in XX/XX/XXXX. My bank statements are proof that I was paid to date! I am NOT going to continue to send bank statements to prove to Seterus I am paid. I do this with no one I pay! POST your ACH payments when paid and I want my money returned for the XX/XX/XXXX cashiers check for {$2000.00}. You are not going to keep my money.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 2023-06-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an existing Union Bank business customer. US Bank acquired Union Bank and online bank account was supposed to be switched from Union Bank to US Bank starting XX/XX/2023, according to US Bank. 

On XX/XX/2023, when I tried to transition my online account access to US Bank, I received a variety of errors from their website. 

The first few attempts were met with a message that said, " There is a problem on our end. It shouldn't last long. '' Eventually I was able to get past that error, but US Bank 's website gave me more, different errors while trying to access my account, stating that it could not identify my identity. 

I spoke to a customer service agent who said that due to a " coding error '' by Union Bank during the transfer process, I would not be able to access my own business account, even though the agent admitted I was who I claimed, the sole proprietor of this business. 

They said the only way to resolve it was for me to make an in-person appointment at a branch and providing them with ID and documentation. Or else I could resolve it by mail, a process which they said typically takes 2 months.

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 2022-05-14
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SENTRY CREDIT has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at Sentry Credit and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.

Company response to consumer: Closed with explanation