BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-26
Company: EQUIFAX, INC.
State: CO
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:
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 2021-12-29
Company: OneMain Finance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
15 U.S codes 1666 correction of billing errrors.

6 months after contract onemain financial debts auto withdraw for more that the contract amount states and without my consint, according to consumer federal law stated above this company is in dirrect violation of my rights.

futhermore 15 U.S code 1666 states ( e ) Effect of noncompliance with requirement by creditor who fail to comply with thr requirements of this section forfeits any right too collect from obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get a clear answer about old XXXX loans and loan forgiveness for MONTHS. I talked to MOHELA initially, and they told me that I might be eligible, but I'd have to consolidate, but they couldn't tell me for sure, and they couldn't tell me if I'd lose all the time I've been paying ( XXXX years ). So I tried studentaid.gov, but it's unclear on my specific situation. Now, I can't get through to a real person at either MOHELA or Studentaid.gov. The information is conflicting, and I don't know whether I need to consolidate to take advantage of debt relief or not. I think the deadline to consolidate my type of loan might have already passed, or is about to pass, and I STILL don't know whether I should consolidate. I can't figure out whether I will lose all my years of repayment if I consolidate into the types of loans it is offering. After almost 20 years of repayment and still owing more than half, I think I deserve a chance for debt relief. But I don't want to start over on the number of years I've been paying unless it will really help. By my calculations, if I consolidate and I end up not being eligible, then I will pay thousands more than if I just continue on my current path. However, I'm not 100 % sure, because I can't get a report that shows me how much I've already paid, total, in 18 years. The report only goes back to XXXX Further, it looks like the only loan I could consolidate into would more than triple my current payment. I can't pay {$1500.00} a month on the hopes that my loans will be forgiven. So frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This financial institution has violated 15 U.S Code 1681s-2 - responsibilities of furnishers of information to consumer reporting agencies.

( A ) reporting information with actual knowledge of errors.

( B ) reporting information after notice and confirmation of errors.

furthermore, pursuant 15 USC 6802 ( b ) this financial intitution withheld and denied me by with holding my discloures and allowing me to OPT-OUT of haveing my information being shared.

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 2019-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for an Fannie Mae refinance on XX/XX/2019, through Citizens Bank, who have already given me a Home Equity Line of credit and personal loan to renovate my home. My mortgage banker XXXX XXXX was very helpful and seemed to think the deal was cut and dry. After the initial paystubs and tax documents submitted, XXXX XXXX said the process should take 45-60 days, even with a few items to be completed on the home, ie : additional bathrooms and decking need completion. I was locked into a mortgage rate at 4.375 %, which has expired due to bank dragging out the process since XXXX XXXX left the bank. 

The refinance is to incorporate all of my building expenses, that were taken from the equity, personal loan and credit cards, which funded the construction. At the beginning of this process, I had a credit score in the 780 's, and able to show income to support the approval of a loan and have {$300000.00} in equity after recent appraisal. As time goes on, my credit scores drops monthly due to credit cards being at their max levels from construction costs, which will make it difficult for me to start over with another lender if Citizens denies my application. 

Since we started the process, my original mortgage banker has " left '' the company or was fired and I was assigned to his manager, XXXX XXXX. Every week, XXXX XXXX asks for one document or another and stalls the process out- one week or two weeks at a clip, after receiving same. There is no mention of a potential closing and there is a huge lack of communication between the bank and I, as to how far we are in the process. XXXX XXXX will not take phone calls with me and limits communication to single email requests. As each week goes by another request comes from the bank and another week passes. They even have requested that we have 3x reserves, but will not accept cash on hand, that we have held from our equity line. 

Recently, XXXX XXXX requested that I put a hand-rail on our temporary deck and informed me that the Appraiser would need to take pictures of same. Today is XX/XX/2019 and XXXX XXXX just informed me that the appraiser didn't send her what they requested and therefore we have more delays. With XX/XX/XXXX upon us, we are seeing another long holiday give Citizens bank another 2 weeks of inactivity on my file. It appears that Citizens keeps moving the goal posts and delaying the process, for reasons unknown to me. While time keeps escaping, I am paying high interests on loans that Citizens gave me- to do the renovations and I am stuck in a virtual whirlpool of loan application uncertainty. I would like the CFPB to investigate my file to make sure that Citizens bank is processing my application fairly, as the constant delays and requests for documents, seem to be delay tactics extending me into the summer and placing me at risk for a higher interest rate mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2022 Bank of America processed a check against my brother 's checking account that actually wasn't his. It was someone else 's account. I am the rep payee on this account because he is not mentally capable of handling his money. I called B of A. It took a few weeks to get this taken care of. I finally received the money back in his account and a letter confirming this. Then today when checking his account I find they processed the same check again. Only this time they actually put a copy of the other person 's cancelled check on my brother 's account. I called B of A again and they said they will credit my brother 's account. My bigger concern is that this can even happen. Names and addresses and account numbers are different and someone should have seen this. Also, I now have all this personal information on a complete stranger. That simply is not okay. I don't know what kind of control you have over this type of incident but there should be some sort of protections not only for my brother but moreover for the man whose information is now my hands.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by XXXX XXXX on XX/XX/2023 for a credit card application that I did not submit. I contacted XXXX XXXX and reported this fraudulent application. XXXX XXXX cancelled the fraudulent application and will contact XXXX XXXX and Equifax to remove the hard inquiry. XXXX XXXX advised me to follow up with a complaint to the credit bureau. XXXX XXXX also asked me to allow 3 business days for this complaint to be complete. And 60-90 days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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 2022-04-22
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to have this fraudulent data blocked from my credit report through Transunion. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX  {$770.00} XXXX XXXX XXXX {$2200.00}

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 explanation
Consumer complaint received 2018-05-04
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Uprova Credit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a {$1500.00} loan wasn't aware of the interest charge made XXXX payments of {$280.00} every XXXX weeks paid on time never missed a payment. this totaled {$1700.00}. Called on XX/XX/2023 for payout amount. They told me I need to pay {$1500.00}. I paid it out. They charged me over {$1700.00} interest on a {$1500.00} loan. This is outrageous. Complaining about the high interest. 


Thanks 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 2021-05-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$7500.00}, {$0.00}, {$54000.00}, {$1000.00}, {$340.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my Transunion.

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 2022-10-29
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ). 
ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX  my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me. 

After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ). 

After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX  ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it. 
I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take. 
Thank 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 explanation
Consumer complaint received 2021-05-12
Company: Fidelity Properties Inc.
State: OH
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 an amount showing on my credit report from a company and I dont know what this is or why its showing negatively on my report

Company response to consumer: Closed with explanation