BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported

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 2021-10-20
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: Information belongs to someone else

Complaint:
After i noticed this Random Account being Reported to my Consumer Report i Contacted Equifax via phone XX/XX/2021 to notify them of the Adverse item. The Representatvive was completely ignorant to the law & After I notified the Representatvive that the account being reported was Inaccurate and Unauthorized they were however unable to assist me. On XX/XX/XXXX i wrote the company notifying them of the Laws they were in violation of and i have not heard anything back thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Kikoff 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: Account information incorrect

Complaint:
Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I have several fraudulent inquiries that are a result of identity theft. My credit report shall be fair and accurate and this is identity theft. I do not recognize any of these companies and I demand they be deleted off my credit report 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Guild Mortgage Company LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is based upon the delay getting Forebearance agreements approved and according to a Lawyer, an Appraisal that was pumped up about $ XXXX above what the house is worth.The buyer bought the home for $ XXXX just 6 months prior to the sale and basically put Lipstick on a Pig. I put all of the improvements into it myself and it still is not worth its appraised value. The retained Lawyer has also stated that Guild Mortgage has violated several Federal Laws ( False Claims Act ) in which they were just fined for in XXXX of XXXX. 
The same time period that this loan was closed. 
There are also documents that were not filled out by the buyer. 

Due to an XXXX  that I have known as XXXX XXXX  ( contracted XXXX on XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX by the XXXX as XXXX XXXX condition unspecified ), I have not been able to work. This illness has prevented me from paying the ( 3 ) payments currently due now. 
Guild Mortgage has given me a deadline of XX/XX/XXXX to pay these ( 3 ) payments and if not met, they will proceed with Foreclosure. My end game at this point is to get these Forebearance forms, which I have submitted, approved as soon as possible. This will give me time to get approved for Disability and Medicare through the Federal Government. 
I also expect to have the Loan deficiencies corrected according to the law as soon as possible. 
The following documents are attached : Property Condition report Estimated cost to buyer Correction document Appraisal Acknowledgement

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I honestly have no idea who this person is or why this account is on my consumer report. I have never done business nor personally dealt with this person or any of their affiliates. I do not live in Pennsylvania, in actual fact, I have never even been to this address in my life. I have already reached out to inform of this inaccurate reporting and to be corrected by removing. Not only have my rights been violated for reporting without my permission but this legit is not my 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 2023-01-24
Company: Experian Information Solutions Inc.
State: MS
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 have contacted each credit bureau ( XXXX, XXXX XXXX and Experian ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from Experian but they did remove some information. XXXX and XXXX XXXX claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-10-20
Company: Veem  Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I would like to formally file a complaint against XXXX. My company uses their platform to send our payments/salary from there in the US to here in the XXXX. This incident happened to me not once, but twice already! They have a payment timeline and they provide a turn around time to when will we receive our payment and they weren't able to fulfill it to me for 2 consecutive payouts already.

On the first payout where this incident happened, they said they had a technical issue so I waited until the afternoon while all of my colleagues already got their payments just a few hours after their technical issue gog fixed. Some of which have the same bank as me. Then I reached out to them again and they had me wait for the fund between XXXX to XXXX that day because they say that's when the funds usually get credited, so I waited. But there was still no transfer made. 

I reached out to them again and now they blamed my bank for having additional verification for the funds. I called my bank and asked if there's anything wrong with my account and that if they have additional verification, or if there's any floating funds on my account. My bank confirmed that my account doesn't have any restrictions so everything should be okay and also there were no floating funds on my account at that time. Note that I've received my past payments/salary on this bank before through Veem platform and I have not experienced it until that said payout and today. 

I let that event go even though we incurred an additional fees at the hospital at that time because they sent my money late and I wasn't able to checkout my Grandfather fight away after the doctors discharged him. I had to wait for my money and it was 3 days late at that time. 

Yesterday, we had our payout again. Prior to the payout, I changed my bank and made sure with this new bank that there's no restrictions in my account and that I should receive my payments smoothly because I got traumatized with what happened the last payout. 

So the payout started and the same thing happened again!!! All of my colleagues got their payments already and I'm the only one left in our company who still hasn't receive it. I reached out to them early so they can check my account snd have it fix but they still ask me to wait. 

I waited and now it's already past their given timeframe and I still didn't receive my payment/salary up to now! 

Please help!! I want this to stop from happening again! I don't want to receive my payment late again

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As of XX/XX/, and continuing, XXXX, XXXX, and Experian have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, Experian, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: SC
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 XX/XX/2022, I sent a letter to the XXXX with tracking number XXXX XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 

According to 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. 

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the end of XX/XX/2021, we were approved for a refinance of our existing mortgage loan. It is already thru Bank of America. The closing costs were estimated at around {$7000.00}. We disclosed that we wanted to pay all closing fees out of pocket and also that property tax is due in XXXX We were assured that there were no hidden costs and that we were okay on only having partial property tax included in the closing costs even though property tax is due in XXXX XXXX and that we would close at the end of XXXX. The closing date was scheduled for XX/XX/XXXX. We provided all financial docs to confirm we had the required amount plus funds to cover 2 months of mortgage payments. Now almost 2 months later, they changed the closing costs amount 2 times because they did not calculate it accurately and we called them on it. They tried to include some of the closing costs into the new loan amount without telling us. When we said again that we were paying all up front, they were now asking for more funds to be in the account because they wanted the full property tax for the year. And when we agreed to the new amount of {$11000.00} in closing costs, they still said they could not close us by the end of the month. Also, the loan officer said that we dont need to pay XXXX mortgage payment as we were going to close on XXXX XXXX so we did not. Thankfully we had that money on the account to make mortgage payment timely. So we decided to withdraw our application. This process was painful, long, dissatisfying and it felt like they were trying to take advantage of us and hide costs within the new loan balance.

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 2021-10-20
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I would like close the savings and checking account with navy federal after pulling funds from my account with out notice. Due to there taking the funds, it sent my account into over drawn status. Now they refusing to close the account with out me first paying the amount which I am not going to do because it had enough funds to satisfy the transactions before hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation