BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: ALLY FINANCIAL 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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions 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 negative remarks on accounts that don't even belong to me on my credit file.

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 2022-01-08
Company: Experian Information Solutions Inc.
State: NY
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:
I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : XXXX XXXX XXXX XXXX  : Account # XXXX -XXXX : Account # 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 2020-11-19
Company: EQUIFAX, INC.
State: NV
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I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureau is only updating the information and instead of properly investigating, The account is in litigation

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 2020-12-22
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-10
Company: EQUIFAX, 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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
1. On XX/XX/XXXX a Business Equity Line Note Was Obtained by me and my X wife, ( co-owners of the property and the business- XXXX XXXX XXXX XXXX ). The amount was XXXX k. Payments have been made since then jointly until XX/XX/XXXX. By that time the couple has been through an unfortunate divorce divorce.One spouse violated court orders to sign documents to modify the loan and the foreclosure was avoided at a high physical, mental and financial costs. The two however continues to own the property and to this day the joint ownership has not changed. Those documents are available by the bank, me and the attorneys 's involved.One spouse has continued to make payments to the bank even after the divorce and despite the other spouse 's completed disregards, until XXXX, XXXX. The Covid Crisis complicated the process. 

Now the bank and her agent has taken off the forbearance responsibility from the spouse who willfully disregarded the laws andand now the bank has put the entire responsibility on the law abiding spouse. The bank and her agents knowingly have manipulated the process, making false statements under oath and has been involved in a variety of tricks and tactics to cause enormous damages to that spouse. These are a few of them : 1.Has charged an astronomically high price as foreclosure expense ( XXXX K ) for a property worth XXXX k. 
2. Falsified facts about the clinic 's activities ( unused as opposed to being used ).

3. Damaged vs improvements ( being made and would have been completed by now ).

4. Illegal scamming scheme to get lump some in the amount XXXX k for legal expenses alone and XXXX lien to the bank with fake and damaging explanations and really no explanations9by the Banks attorney ) 5. The Banks attorney made utterly false statements ( please review court transcripts ) in the XXXX XXXX and using illegal tricks I was not allowed to present any evidence. 
There seems to be an organized crime with more individuals involved. 
Now I have been asked not to file any complain and being threatened and harassed Had I not been a bit watchful I could have lost all my lif 's savings. 

Right now I am working as a XXXX to help the displaced children and families at a federal facility and want to continue to serve as such as I can. 
Given an opportunity I have numerous documents to make my case. I am uploading a few documents as samples of their inconsistencies. The scam letter of the attorney of the bank Mr. XXXX XXXX where apparently he did his act without authorization will give glimpses now. I have made a report to the police department. 

XXXX. As a XXXX I am not very good with the uploading of the documents etc. I may have to send documents via mail, which I will do as soon as possible. Please guide me so that we can go to the bottom of the issues so that I get a fair settlement and others benefit from the process too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EXPERIAN XXXX # XXXX WITH MY RIGHTS UNDER CONSUMER PROTECTION LAW AND FRAUD AFFIDAVATE FILLED OUT, I DEMAND THE FOLLOWING INQUIRIED BE DELETED, NO INVESTAGTION IS NEEDED AS NO ACCOUNTS WERE FOUND OPEN, JUST NEED ALL INQUIRIED LISED REMOVED. 

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 don't understand why these inquiries are on my 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX @ XXXX XXXX reached out to my brother XXXX in regards to our existing loan we financed in XXXX to see if he was interested in refinancing and getting a conventional loan. XXXX did not really understand the bennifits but told XXXX he would be interested in getting more information. XXXX text XXXX saying that it would save him on his mortgage insurance. XXXX never reached out to me directly before pulling a hard inquiry on my credit report. He called me and I was shocked to find out he had already pulled my credit and started the process without speaking to me first. I immediately asked him to resolve this issue and he said he would speak with his manager. THen replied the next day saying there is nothing they could do. I want to report this behavior it is a negative experience that I have to now dispute this with the credit bureaus and don't feel they are taking my complaint serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I took out a loan with this company in the amount of {$XXXX}. They led me to believe that I would be making a monthly payment not every payday. They also did not provide the APR rate to me which turned out to be XXXX. This in itself is outrageous. But what really set me off was when I called customer service and spoke with XXXX on XXXX, simply asking what my account number was ( which was not anywhere on my online account either ) was told after being on hold for a very long time that they were unable to provide me with this information. What legitimate company can not provide you with your account number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with Korean Air, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes.

Every year I am supposed to received XXXX Korean Air VIP lounge passes.

However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes.

They simply said they dont know and just wait.

They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.

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 2021-05-13
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My simple account was taken over by BBVA. Rollout happened on XX/XX/08 and was a disaster. I was locked out of my account both online and through the app. No customer service available. 
I waited until Monday and tried again. I was able to get in through the web but kept getting knocked out. No access through app. I called customer service multiple times and was hung up on both times. 
Managed to move my money to my main bank account but I was charged for each transfer and now they want to charge me to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Giact Systems, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XXXX my sister cashed a federal irs check for {$1200.00} at the XXXX store # XXXX. XXXX, Florida location. She not only falsified and filed my federal income tax return but cashed the check using a service called GI Act. I learned this from XXXX XXXX XXXX. Ive never heard of GI Act, and plan to complete their complaint form as to how they claim to be experts at detecting fraud but allowed my sister, XXXX XXXX XXXX DOB XXXX, to commit federal crimes against me and against the federal government. I worked at a bank for 9 years and know the criteria for cashing checks and I also worked at XXXX. I would like an explanation from GI Act and have them be responsible for allowing fraud to occur using my credentials. This is not an isolated incident with my sister filing falsified federal income tax returns during the pandemic. Shes filed four total, each refund was for {$1200.00}. Thats {$4800.00} stolen from our government and from me. Im not okay with GI Act representing themselves as if they are linked to the federal government by the misrepresentation of their name. They are experts in allowing people to commit crimes by NOT doing any kind of verification because if they did, they would have known XXXX XXXXXXXX XXXX my sister is barely 5 feet. My sister is the ultimate criminal no doubt but who is GI Act for contributing to her crimes and misrepresenting themselves as actually being legitimate.

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 2017-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian Credit Reporting Agency - Unable to place credit freeze. I have already mailed information, received credit report that I had already pulled online. Credit report number XXXX. Their system says this is invalid. I also found the last 4 digits of my social security number incorrect on report. I can not reach anybody and keep getting kicked out of their system. I only have online contacts or phone numbers that go nowhere.

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 2021-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since August 30th for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela refuses to respond and confirm that my PSLF application has been received. After being told by XXXX XXXXXXXX XXXX that my application was transferred to Mohela months ago, I have still yet to get confirmation of them having my application. The deadline for the PSLF Waiver is in several weeks. I understand they are busy and the processing of the application may take some time, however all I am looking for is verification it has been received and is waiting to be processed. The phone number is no longer working. I can no longer get in touch with Mohela. Previously when the number was working I would be on hold for hours, often having the call dropped. One time I was told to resubmit my application to them as they did not get it, which I did. I sent my application certified mail so I know they received it, yet they still are telling me they do not have it. They told me all mail received to date had been updated and therefore why my application was not showing up as having been received was very confusing. Customer Service is rude and not helpful. In order for me to qualify for the PSLF Waiver my application must be received by XX/XX/2022. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: MD
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation