BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not open a checking account because someone stole my account information and made fake accounts in my name. I have now have a XXXX year old boy and cant even pay bills online due to false accusations on my credit report. Wells Fargo .. XXXX XXXX are all incorrect information I report everything its still hurting 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 2023-04-22
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:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XXXX  I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX  XXXX {$1000.00}

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 non-monetary relief
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXXand forward I actually paid this account in full in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}

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 2023-11-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Again I froze my credit report with XXXX early XXXX which they complied within seconds I then requested them to unfreeze my account a week later they said I needed a PIN number that they sent prior but I never received it so I requested another PIN number at which time they told me I have to file additional information to even receive a a request form to even request my pin to be mailed at which time I sent in my social security number and id they sent the request form I filled it out requesting that a new PIN number be mailed to me o never received it so I called numerous times trying to check and see when it would arrive and I may have made over 5 calls tracking the PIN number at which time they kept telling me its in the mail and takes 10 business days and I still havent received it then I made another call and they read me a script sayin that Ive requested my pin more times than usual and something about what the policy is those calls I made I just wanted them to track the mail and see why I havent received my PIN number after numerous attempts I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: DISCOVER BANK
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX : Applied for a home improvement loan with Discover Home Loans and was preapproved based on my credit score, income, and estimated market value of my primary home. XXXX XXXX XXXX XX/XX/XXXX ( XXXX PST ) : Received the full appraisal of my primary home confirming estimated values to be {$960000.00} ( sales comparison approach ) and {>= $1,000,000} ( cost approach ). The lower value meeting the estimated market value at time of application and pre-eligibility process. Email from Discover stated : " XXXX, our underwriters are conducting their final review of your loan application... This crucial step takes a few days and we'll let you know when it is complete ... '' XX/XX/XXXX ( XXXX PST ) : Received an email from Discover Home Loan Services, " We are unable to approve your application. You'll receive a letter in the mail in a few days with more information about this decision. '' I then reached out to the Sr. Loan Processor ( XXXX XXXX XXXX to inquire what had happened as we were baffled and thought perhaps there had been a system error. XXXX responded with the following, " The underwriter has reviewed your file and it appears it has resulted in a decline. The reason they provided was " the property value given to a non-conforming half floor. Non conforming means not meeting zoning requirements. The appraiser also stated that the den in the basement does not meet proper egress ( exit ). The half floor is completed but does not meet the ceiling height requirement to be included in finished square footage. Finished area must have ceiling height of at least XXXX feet per XXXX guidelines. '' In all of my years being involved in retail lending, buying and selling homes and having a spouse that served a real estate agent, we have never heard of well-qualified consumers being denied a mortgage-related loan when an appraisal had met value, especially one in which the very thorough appraiser implied would potentially sell higher if we weren't currently in a depressed market due to high rates and low season. We've literally had people offer to buy our home off market. The buyers previous to us and in our own purchase did not have any issue with meeting market value for our primary purchase loan on this home. The area we live in is surrounded by homes of a similar nature, built between the XXXX 's and have no difficulty with inventory movement, the layouts are market-dependent and rooms outweigh conforming square foot in our market. Further, the market value of the home would exceed FHA and conforming loan max amounts. 

I would be curious to know if they are consistent with this type of denial with others in our metro area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: AES/PHEAA
State: NH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Fedloan to confirm that XX/XX/XXXX payment was not going to be taken out of my account due to the CARES Act Covid-19 response bill having been signed into law. I was informed at this time that Fedloan is claiming that suspended payments during the Covid-19 forbearance period will not count towards PSLF qualifying payments. I was encouraged to continue making payments by both representatives : XXXX # XXXX and XXXX # XXXX. This is in direct contradiction with what the Cares act states : SEC. 4513. TEMPORARY RELIEF FOR FEDERAL STUDENT LOAN BORROWERS. 
( a ) In General.The Secretary shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. 
( b ) No Accrual Of Interest.Notwithstanding any other provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ), interest shall not accrue on a loan described under subsection ( a ) for which payment was suspended for the period of the suspension. 
( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened 3 fraudulent accounts, every time I called them to report it to get closed they were claiming the there is nothing they can do about it despite me having Fraud Alerts with all 3 credit reporting agencies, XXXX XXXX XXXX, Credit lock with XXXX, and despite that they are claiming they will investigate it, these fraudulent accounts are being opened. Bank of America is entirely unhelpful they claim that there is nothing they can do to stop this. This happened repeatedly on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BoA claims their systems can not stop criminal activity, which encourages criminals to take advantage of BoA to defraud its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Speedy Cash is listed on my credit report. The collection Agency listed is XXXX  XXXX. Contacted XXXX   XXXX regarding the debt of {$1100.00}. The reported the debt had been sent to the Attorney office of XXXX. XXXX XXXX. I contacted the lawyer office who reported that I needed to make an offer and they could not tell me an amount. I made an offer of {$520.00}. She reported they were not going to accepted that and would only accept approximately {$1800.00}. She reported that the original debt was {$1100.00} but there were additional feels and the new amount owed is {$2600.00} so they will only settle for approx. {$1800.00}. She stated that I would have to get an attorney as they are not willing to accept anything less that that. She was informed that we were not notified that we were being sued and I was trying to settle the debt within 7 days. 

I was trying to settle this debt and not pay for attorney fees. My address was not confirmed nor was there any additional information obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please consider this a formal notice and complaint for the harm caused by XXXX, XXXX and TransUnion on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies. 

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!

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 2023-01-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I participated in the promotion of getting ~ {$500.00} as a bonus, if I open a US bank  checking account and do Direct Deposit of certain amount. I did it but they never gave me the bonus.

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 2018-09-05
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I applied for a XXXX XXXX  credit card with Synchrony Financial on XXXX XXXX After many transfers, I was connected with one agent that asked me for ssn, my dob, address, etc. After recording my information he put me on hold for 30 minutes to confirm the information. After 30 minutes, I was disconnected. When reaching out to Synchrony C levels, I expressed my concern that it was odd behavior and potentially took my private data and used it in an illegal manner. XXXX expressed that that was odd behavior and not part of their process and she would look into it. A couple days later I got a notification from XXXX saying that an application was attempted to be opened from XXXX XXXX I sent XXXX and XXXX to the recorded call but they never got back to me. I've repeatedly tried to contact them to get an update on the matter, but nothing. No returned calls. No returned emails. On XX/XX/XXXX, I got a notification from my bank that there was an application sent to open a XXXX credit card.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

I don't Owe this creditor.

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 2023-07-10
Company: Experian Information Solutions 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:
As of XX/XX/2022 I tried reaching out several times and filling disputes with Experian and XXXX to update my loan balance to reflect XXXX dollars.

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 2023-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

Based on my knowledge I don't owe this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

I don't Owe this creditor.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, anxiety, and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

Sincerely, 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 2023-03-05
Company: EQUIFAX, INC.
State: TX
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:
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 18USC 1028a Aggravated identity theft 15 USC 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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The vehicle, a XXXX XXXX XXXX, was paid off as of XX/XX/XXXX. Capital One Auto Finance, the lienholder, insisted by phone that they provided the California Department of Motor Vehicles with a release of lien, which they did not. They blamed the DMV for the delay in receiving my title. I checked with my local DMV desk at a XXXX office earlier this year and they confirmed that there was still a lien of " {$0.00} '' against the vehicle.

Company response to consumer: Closed with explanation