BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: 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 filing 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 2023-06-28
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:
These fraudulent inquiries were not made by me : XXXX XXXX XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XXXX XX/XX/ XXXXXX/XX/2023 XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This isn't my personal loan and shouldn't be reporting on my file. This is a business loan remove from personal credit file. This is violating my consumer rights.

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 2022-04-06
Company: EQUIFAX, INC.
State: VA
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:
I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies XXXX and Equifax refused to list the completely change the information accurately. XXXX and Equifax refused to correct what is on my report XXXX did so accurately after their investigation. As a result of Equifax specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my Equifax report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus XXXX and Equifax complied with the letter from XXXX Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
BlockFi holds customer cryptocurrency deposits in their BlockFi wallet. They advertise that these deposits remain the property of the client, and are not rehypothecated or used by BlockFi.

It appears that BlockFi will file for bankruptcy and they have paused the ability to withdraw funds from these wallets. However, these wallets should not be involved in a bankruptcy as they are not the property of BlockFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies Transunion and XXXX refused to list the completely change the information accurately. Transunion and XXXX refused to correct what is on my report XXXX did so accurately after their investigation. As a result of XXXX specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my XXXX report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus Transunion and XXXX complied with the letter from XXXX Mortgage.

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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # 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 2022-08-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called Old Navy Navyist Rewards phone, requesting an update on the fraud charges and an email I had received back on XX/XX/XXXX stating I requested an email changed. I never requested an email change when I called on XX/XX/XXXX. I was informed that the email address was changed by removing one number from my actual email address and they are now investigating who changed it. I also request to get an update up my current fraud charges that XXXX disputes on XX/XX/XXXX. I was informed that the {$380.00} ( and some change ) had not posted under transactions as of yet and that is why they havent completed the investigation. Its been two months since the charge was made on my card. Then I was informed that the {$190.00}, which I was told to dispute as well as I did not make the charge, never was authorized, so no need to work that fraud dispute. I also asked XXXX from Barclays XXXX XXXX XXXX as to when that will be corrected as they are still charging me late fees and calling to collect a payment. I informed her that if they sent the item to collections as someone previously informed by or report it on my credit as delinquent then it will effect my credit score. XXXX proceeded to inform me not worry as my credit score will go back to what it needs to be once they give my account the credit back. That means in the meantime they can mess with my credit score and think that a delinquent record wont stick for some time?

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 2020-10-02
Company: ERC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have recently refinanced our home and found out Cardinal Financial incorrectly filed a lien on our property. When we purchased our property ( a  manufactured home ) in XXXX, during the closing apparently Cardinal Financial had the escrow company file a UCC document with our Deed of Trust mortgage. Then in XXXX of XXXX, when we decided to refinance and were notified that we needed Cardinal Financial to release the incorrectly filed XXXX document, they refused. We called several times and so did the escrow company and no one at Cardinal Financial would acknowledge this incorrect document and refused to help. Our current lender agreed to complete our transaction and monitor the release, which is still not complete. We closed our refinance ( XX/XX/XXXX ) and were charged release fees and as of XX/XX/XXXX, Cardinal Financial has not released the incorrect XXXX or the mortgage that was paid in full XX/XX/XXXX against our property or on MERS. I am attaching the title report and the incorrect XXXX filing. The XXXX filing is incorrect on lines 6a and 6b. 6a should be marked as a Manufactured Home Transaction and 6b should be checked Non-UCC filing.

We would like to get a home equity to consolidate our remaining debts and our credit union can not complete this without Cardinal Financial completing the release.

We hope this gets resolved as NO ONE at Cardinal Financial will help us, nor can our previous escrow company. How is this LEGAL. Why is Cardinal Financial able to do this? Why is there no protection against companies like Cardinal Financial? 

PLEASE HELP US GET THESE RELEASED. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2020-10-02
Company: Resolve Partners, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted an application for a rental property company denied me per email I requested my report that has not been provided to me.I have contacted the individuals XXXX XXXX XXXX ) that hired third party ( RESOLVE ) to conduct background and credit check. I feel that are discriminatory due to the fact that they are telling me to contact someone that they hired to conduct a check on myself. I have contacted Resolve on several occasions in which I have left a message sent emails and spoke w/a representative yet I have not received the denial based on my report. Perhaps criminal activity is going on with this company with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I'm very concerned about my background screen I'm going for a big opportunity a better future for me an my children I'm not the same person I was iv senc moved to XXXX and have started a new life iv left XXXX Michigan to better my self nor to be judged on my past imma hard working man iv giving my life to XXXX for the XXXX time I'm being the man the brother the father the son that my family needs and I feel this report isn't given me the opportunity to grow and build the stable career that I need it's not far for a man who given his all to change and helping the youth I help everyone I come across along the way XXXX is good and I intend to continue to encourage and motivate I have XXXX XXXX XXXX XXXX XXXX who needs me all I'm asking for is a chance to be developed into a better leader of many Time brings change and I'm not the same person I was and thanks for the opportunity to speak on my behalf it really means a lot have an a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties. 
I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: KEYCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023, I mobile deposited a check for {$8000.00} ( to Keybank bc I currently live in NJ and dont have a branch close to me ) that I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after completing an XXXX XXXX XXXX. This check was put under review on XX/XX/2023. I called KeyBank because I was unable to access ANY of my accounts with them and they said it was due to potential fraudulent activity ( the check ). For WEEKS I could not access any of my money, even after going to a branch XXXX WEEKS later and trying to resolve the issue, no one could seem to help me. Eventually I received letters in the mail ( after contacting Keybank on multiple occasions to check the status of the check ) stating that ALL of my accounts were being closed due to not following their policies. I called after receiving those letters and they told me they were sent out my mistake. No more than a XXXX weeks later I received checks in the mail with the remaining money from my accounts being CLOSED. They closed my accounts and sent me checks in the mail for my remaining balances, however they failed to send anything regarding the {$8000.00} check. After numerous phone calls, they initially told me that the funds were released and I would be able to take the check to my new bank and have it deposited ( since it was initially a mobile deposit I still had the check in my possession ) this sounded off to me but I did it anyway. A day later the check was rejected due to duplicate presentment ( obviously ). I then called Keybank again and they apologized for the inconvenience and told me they issued a new check for that amount that would be sent to my NJ address and I should receive it by XX/XX/XXXX. This check is still nowhere to be found. So I called again.. this time they informed me that the check was actually considered fraudulent and I would have to contact the place that issued me the check to get it resolved. I called XXXX XXXX XXXX that same day and they got back to me no later than a day stating that the check had in fact been cashed by KeyBank. I am at a loss of what to do moving forward.. this is a size-able amount of money being kept from me for whatever reason. 

I have emails from a lady i was working with at a branch proving all of this. As she was in contact with people from the fraud department as well trying to help me resolve this. 

Attaching emails

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was used to open XXXX XXXX XXXX credit card ( account # XXXX ). I attempting to put a dispute in with XXXX XXXX XXXX multiply times to no success. The company is ignoring my claim that this account was opened fraudulently and is holding me accountable. This is also being reportedly negatively on 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 2023-09-22
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I noticed a collections record on my Experian credit report and immediately took action to notify Experian of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Experian credit report : Report # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Responsibility : Individual, Date opened : XX/XX/XXXX, Status : Collection account. {$520.00} past due as of XX/XX/XXXX, Status updated : XX/XX/XXXX, Balance : {$520.00}, Balance updated : XX/XX/XXXX, Recent payment : -, Monthly payment : -, Original balance : {$520.00}, Highest balance : -, Terms : 1 Months, On record until : XX/XX/XXXX. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.

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 2023-03-28
Company: Unifin Inc.
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 XXXX XXXX do not owe this company any money. I do not have a contract signed. Im dispute this account before they try to place it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief