BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I requested to extend my consumer credit and applied for a {$500.00} and {$1000.00} personal emergency loan and was unlawfully denied extensions of my credit. Speedy Cash has committed Fraud, Discrimination and violating just about every ECOA law TILA law and Title 15 USC laws and regulations and denied me reconsideration to approve my loans unfairly. 
The companys adverse response did not address any of my factors or issues instead gave no lawful reason or lawful facts on why my denial was not reconsidered? I applied for a loan and was denied. 
Regardless of the facts in your adverse action. I have the right to credit. XXXX says denying me access to my own credit is discrimination. I have the right to credit and with holding me access to my securities is SECURITIES FRAUD. You are in violation of XXXX and XXXX XXXX XXXX XXXX since you are denying me my credit application you are deprive me my own rights under the XXXX of the law. XXXX and FTC laws prohibits creditors from denying a loan based on facts that have nothing to do with my credit worthiness. Title 15 USC 1691 Give me the right to infinite credit. Under these Laws TILA 15 USC 1662 ( b ) ,15 USC 1611, 1602, Regulations Z and Regulations B, 12 GFR 1002.4 A creditor cant discriminate and deny your credit. Regulations B protects applicants from discrimination in any aspect of credit. Truth and Lending Act states you cant deny me my own credit to my self you cant deny me credit I all ready have. Title 15 USC 1619 ( 3 ) Right to contract my unlimited credit plan I am extending my unlimited credit. You are depriving me of my rights. 15 USC 1602 explains denying me my own credit is Discrimination. Speedy cash wanted to defend its self saying there was no discrimination using the standard disclaimer for discrimination and the discrimination you violated is not addressed in the standard disclaimer of discrimination Pursuant to USC 1691 No bank can deny extension of your credit that constitutes ultra vires. It is unlawful for any creditor to deny and discriminate against any applicant REWARDLESS OF REASON.Period discrimination occurs when lenders base credit decisions on factors other than the applicant 's creditworthiness then deny a consumer extension of there credit.Furthermore under the grounds of the standard definition of discrimination you stated I exercised my good faith under XXXX consumer protection law pertaining to credit. The XXXX is a federal law that prevents financial institutions from discriminating against credit applications based on factors that arent relevant to a borrowers ability to repay the loan. The XXXX ensures that all borrowers have fair and equal access to credit. Cant make any more clear. I request my loan applications be processed and submitted and approved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is 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 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 2019-12-26
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX XXXX XXXX gained unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is with Experian. There is a collection with XXXX and I have successfully filed a dispute and they agreed to remove it with all XXXX credit reporting agencies. Only one has removed it despite requesting it and they refuse.

Company response to consumer: In progress
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 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 2022-03-24
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX Called and was placed on hold for XXXX hours then and left message regarding monthly payments that are starting XX/XX/XXXX that I can not pay. 

XXXX filed complaint with Massachusetts attorney general, have not heard back XXXX called XXXX XXXX XXXX for XXXX XXXX and gave financial statement, my co-signers have tried to call to give their financial statement multiple times and they keep being sent to the person I talked to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2016-07-11
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I pulled my credit report and identified a hard inquiry from New American Funding. I called the number, XXXX, and spoke with a XXXX XXXX XXXX. XXXX XXXX alleges that I provided verbal authorization to a XXXX XXXX XXXX to run my credit on XXXX XXXX, 2016. When disputing the inquiry, XXXX XXXX informed me that they have my personal information and that I spoke with XXXX XXXX at approximately XXXX. I am concerned that I have not authorized any lender, outside of XXXX XXXX XXXX and XXXX XXXX, to run my credit. I am in the process of attempting to purchase a home, but again, I have yet to authorize anyone to run my credit. I would like XXXX XXXX to be investigated for running an unauthorized credit inquiry and for New American Funding to remove the hard inquiry. If they refuse, I would like instructions on how to retrieve a copy of said phone call in which XXXX XXXX alleges that I provided authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 my entire Coinbase account was hacked of approximately XXXX USD. On that day I saw that thieves transferred my entire coin wallet into their wallet and stole my entire contents. I contacted Coinbase immediately after seeing my account drained.Supposedly there was supposed to be a 2 step process to initiate the process BUT this did not occur because they never asked me for the 2-step code. Coinbase responded by telling me to close my account.They assured me by email that I would have 72 hours to have the funds reversed. They then locked ME OUT so I could not reverse this transfer. I have taken screenshots of proof. I have reported this event to the police department as a case of grand larceny as well as my insurance company. I have called and emailed Coinbase incessantly since the occurrence and they have not responded. Because they sent me an email that funds had 72 hours to reverse and I alerted them within hours I feel that Coinbase breached my contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, We have a mortgage with Fifth Third Bank of Cincinnati. We've had the mortgage since XXXX of XXXX. I'm an engineer in the tech field and experienced a XXXX layoff this year. During that time, we became behind on our mortgage. I returned to work several months ago but have been unable to come to a resolution to begin making payments again toward my mortgage. I'm more than capable of resuming payments plus adding some of the arrearages to my normal monthly payment. I have been working through an online system called the " XXXX XXXX XXXX '' in which I submit my application, upload documents, and exchange messages with Fifth Third employees. I am now on my third iteration with this group. I provide all required documentation ( pay stubs, bank statements, hardship summaries, list of household expenses, etc ) By the time Fifth Third looks at the documents, they state I'm over the allocated time. Fifth Third then closes my application and requires me to start again. This has been going on for 3 months and counting. Call their mortgage department takes anywhere from XXXX minutes to XXXX hours to reach a person. If you call during busy periods, they require you to leave a voicemail which is never returned. ON XX/XX/XXXX, we received a foreclosure notice of a court filing. We are in desperate need of help. We've been paying Fifth Third interest on this mortgage for 16 years. We want to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am honestly asking the XXXX Credit Bureaus XXXX, XXXX and TransUnion to REMOVE these fraudulent items from my credit reports within 15 days time. I have sent a complaint dated XX/XX/XXXX. In it I stated that I need these items REMOVED as I did not owned or opened them nor I authorized anyone for it. So please remove the items listed in this complaint : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} 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 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I believe my accounts with Wells Fargo was charged overdraw fee that were not necessary or delay my payment so that I am charged an overdraw fee.. I would like for you to look into this issue to see if I'm eligible for some of the consumer payback that Well Fargo is offering. Please contact me by email or by phone at XXXX. 

Thank you 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 2023-04-01
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a XXXX  by XXXX XXXX Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit XXXXi I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MD
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:
I informed Experian that I did not provide them with my written consent to report derogatory items on my consumer 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
TO BE REMOVED IMMEDIATELY FAIR COLLECTIONS AND OUT # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX {$1900.00} XXXX XXXX XXXX # XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BAL {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: National Credit Adjusters, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am submitting an official complaint in hopes of having paid collections account deleted from my credit report. 
Mistakes I made in my youth have led to me having over {$9000.00} in collections. Over the past years, I have learned a lot and made several life changing decisions. However, in order to rent a new space. Every landlord checks the credit reports and it is truly harming my future goals of finding a better place to rent. 
I made several financial sacrifices to settle all the accounts that were in collections and used all my savings. All other companies were kind enough to compromise or give me additional options for deletion eligibility. 
I truly hope this complaint submission can help me delete the other paid collection account from the credit report. Please help me improve my credit score and repair past mistakes from my youth. I was unable to get additional help from the representative that I spoke to on the call and no other form of deletion eligibility. I was only able to make the settlement payment. 

Proof of payment to National Credit XXXX, XXXX XXXX, on XX/XX/2021 for {$1100.00} has been attached to this complaint. 

My contact information : XXXX XXXX XXXX XXXX XXXX Floor XXXX, NY XXXX Company Information : NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation