BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: GA
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:
I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: One Technologies, LP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.

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 2019-04-01
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I applied to XXXX XXXX  to refinance my Ditech mortgage. 
I was approved for the loan in the amount of {$260000.00} at an interest rate of 5.375 %. Ditech was contacted several times by me and XXXX XXXX beginning XXXX XXXX in an attempt to secure a payoff amount for my current mortgage. The representatives at Ditech were aware that I was attempting to refinance my loan and assured me that payoff information would be sent to XXXX XXXX in a timely manner however, that was not the case. My original closing date was XX/XX/XXXX but Ditech failed to provide the payoff information before the closing date. After numerous attempts get payoff information by myself and my representative from XXXX, Ditech finally sent the information on XX/XX/XXXX with a payoff amount of {$380000.00} which included a daily per diem interest rate of {$1300.00}. Needless to say my loan through XXXX was rejected and I am back into foreclosure with Ditech. I truly feel that if Ditech had processed my request in a timely manner I would have been able to secure the loan through XXXX. 

Anything that you can do to assist me with this situation would be greatly appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I did not authorize this inquires, ive been trying to improve my credit for the last 3 years and NEVER applied for any credit or inquire.

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 2021-05-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone use my identity to retrieve a payday loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I feel like Citibank customer service ain't really helping me out with my account. they always got an excuse for everything. Sometimes they contradict there own terms.

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 2017-10-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from experian and XXXX and XXXX 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 2020-04-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I used a small portion of the credit on the card for medical reasons. I am on a fixed income, they know that I was on a fixed income when I applied and they opted me into an insurance credit that I did not ask for.

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 2021-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX born XXXX and I am a victim of identity theft. Please see the FTC report for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAINE & WEINER COMPANY, INC.
State: OH
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:
The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal CU violated The Fair Housing Act, Fair Lending Laws as well as RESPA-TILA by excluding taxable bonus income, financial reserves and retirement during the application process for the purchase of my current home. NFCU also failed to conduct a timely review of the application during them buyer financing contingency period of TREC 's resale contract which would have resulted in unrecoverable loss to the consumer ( myself ). I am asking that CFPB evaluate the actions taken during the determination process in an effort to address the potential discriminatory conduct and/or patterns of practice exhibited by the assigned NFCU employees XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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:
Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: IL
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:
TXXXX AND EXPERIAN IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT WHICH IS A DIRECT VIOLATION OF THE FCRA. THIS IS MY 4TH TIME DISPUTING THIS ISSUE AND IT IS VERY OVERWHELMING. THE ACCOUNT NUMBER IS REPORTING TWO DIFFERENT NUMBERS AND ALSO THE DATE OPENED IS ALSO REPORTING TWO SEPARATE DATES. I HAVE SENT IN PROOF AND THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY AND IT CAN NOT BE UPDATED BECAUSE IT IS ALREADY A VIOLATION.

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 2017-10-06
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
the account number from wells fargo does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and XXXX and XXXX 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 2022-04-05
Company: AMERICAN INTERNET MORTGAGE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with American Internet Mortgage Company, XXXX. During the first year of COVID-19 pandemic, I was facing a hardship and requested my mortgage payments to be held off per the American CARES act. My mortgage payments were put on hold for the period of 7 months, after which I resumed monthly payments. Since XXXX XXXX  XXXX, XXXX has kept my mortgage in their loss mitigation department. Every time that I contact XXXX loss mitigation department, they indicate that it would take 3 months for the loan to clear the loss mitigation department. It has been more than a year that the company has been communicating the same. In a XXXX XXXX, XXXX call, the company again claimed that the mortgage will clear the loss mitigation department by XXXX XXXX XXXX  XXXX at the latest. It is now XX/XX/XXXX, and the loan is still with loss mitigation department. I have been making monthly payments since XX/XX/XXXX, but unable to make online payments or set up automatic monthly deductions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: AXOS FINANCIAL, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I was alerted that 2 charges in the amounts of XXXX and XXXX had posted to my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  These charges were not authorized by me and no permission was given for XXXX XXXX XXXX XXXX to charge my card for these additional amounts. In XX/XX/2020, I placed 2 orders on XXXX XXXX XXXX XXXX website in the amounts of XXXX and XXXX which were processed and paid in full. I have bank records to confirm these transactions were paid in full. No additional charges were made or authorized by me. I have attempted to contact XXXX XXXX XXXX XXXX Fraud Department and after contacting them numerous times during business hours have not been able to reach anyone to report this. There is only a recording that no representative is available to speak with at this time. I am also getting the sams message when attempting to contact XXXX XXXX and report fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a problem with PayPal and it's use of my credit cards on their platform and was forced to close my Paypal user account. It also had the wrong email address and did not have a way for me to correct it. Since then for over 1 year I have not been able to log on to my Syncrony bank credit card app because they claim it is forever linked to my PayPal online payment account, even with a newly corrected email and PayPal account they claim that there is no way for me to login and check any transactions on my Syncrony Bank issued credit card, I have no way to check purchase history of my credit card, nor have I received any paper statements.

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 2019-11-19
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
Exxonmobil/citibank CBNA I have had to call them several times to close an account. They have not. Today I spoke to them again and they told me they could not help. 
I spoke again on XX/XX/2019 to XXXX who transferred me to XXXX who then transferred me to XXXX. Non could help ; expressing call your C. Bureau. I explained the C.B said I had to have them send that information to them. I got nowhere. # I called 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-26
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WE ARE REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE FOLLOWING PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PLEASE NOTE THE ATTORNEY XXXX XXXX XXXX XXXX XXXX TO SIGN, DUE TO HIS INVESTIGATION.INDICTMENT ISSUE HIS ASSISTANT XXXX  XXXX SIGNED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Information belongs to someone else

Complaint:
I have discovered some information, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize account and inquiry and have never incurred debt with these creditors. I do not know where they came from.

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 2022-04-05
Company: EQUIFAX, INC.
State: NJ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 explanation
Consumer complaint received 2021-10-27
Company: Chime Financial Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone opened an account at Chime.com, a mobile/online wallet- and payday advance service, using my name, email address, and probably other personal information. I found out about it through an email sent to my email address through Chime when the registration took place, I guess. The person registered for some kind of spotted ( loaned? ) amount of money, a direct-deposit account and a pre-paid debit card, all presumably in my name. I know because Chime sent me emails each time these services were started. I reached out to Chime to let them know I didnt open or have an account and didnt request their services. They sent automated emails to let me know they received my messages, and a couple messages from customer service/support to tell me they were investigating. They responded the next morning to let me know they closed the account at no penalty or financial harm to me, which is great. But how did this person fraudulently open an online bank account in the first place?

Company response to consumer: Closed with explanation