BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are three accounts that were closed in XXXX and XXXX. I disputed and made a complaint about two of them here, they were updated instead of removed from the credit history. These accounts are paid and closed so why are they still on my credit report. I would also like to stop getting advertising of Experian Boost through email.

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 2021-08-17
Company: Receivables Management Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A very long story short, two checks that were cashed, one two days before said date and one 32 days before said date. 

FROM THE INTERNET Is it illegal to cash a postdated check early? 
A person or a merchant can't cash a post-dated cheque before a certain date. 

Apparently, I have a case to stand on an I want them prosecuted to the full extent of the law. 

In the beginning, I was given unnecessary tests by my Medial Doctor. I contact XXXX XXXX XXXX, of XXXX XXXX XXXX and complained. XXXX XXXX was helpful and reduced my cost to {$76.00}. 

Being a XXXX XXXX on a limited budget/retirement, I sent the RMP collection agency two checks, enclosed because they threatened to violate my Credit Scores. ( Enclosed ) Both checks were cashed predated, a violation of the law. 

I request the following : 1. That this company do a nation wide drug test to prove that none of their employees are on illegal drugs. ( How can you not see, 2 checks, 2 different dates, same amounts? ) 2. That any employees on legal, mind altering drugs should not handle money.

3. That this company, RMP be fined the maximum amount for violation of the law.

4. Because of the hardship I have encountered, all {$76.00} should be returned back to me, with a statement, Paid in Full. Thank You, XXXX XXXX. 

I request an internal investigation into XXXX XXXX XXXX, XXXX XXXX, AR and RMP collection agency in XXXX, OH for illegal payment practices. 

Respectfully Submitted, A XXXX, out Enclosed : Bank Statement showing XX/XX/21, Checks XXXX & XXXX, {$38.00} both checks ; were cashed before due dates, XXXX and XXXX. A complete volition of the law. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Valley national Bank promised {$200.00} after 1 single Direct deposit which they confirmed I had done. I actually asked an employee on the phone and although it said no where the terms was {$200.00} DD I still sent {$200.00} over. 

I now called to ask where my money is and they say it was {$1000.00}. 

In addition they refuse to close my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
Company: Convergent Resources, 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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2020-12-13
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a property using FHA financing for {$89000.00}. It transferred on XXXX. Since living here, my XXXX has been aggravated by the gas fumes coming from the gas station next door. I understand that my house should have been 300 feet from the gas tanks to qualify for an FHA loan and per a recent appraisal it is only 200 feet from the gas tanks. Also the value of the house was inflated by approximately {$15000.00} ( Attachment 3 ). Documents attached were sent to Quicken Loans. 

XXXX XXXX of Quicken Loans responded to me on Friday, XX/XX/2020 stating that these were appraiser issues and not loan issues and I should take it up with the appraiser. She continued by saying that Quicken Loans is not responsible. But the loan officer was aware of the 300 foot requirement and she said in an email that she would have her collateral crew verify the distance before proceeding ( Attachment 4 ). Additionally, I paid Quicken Loans for the appraisal and had absolutely no interaction with the appraiser. 

I was a client of Quicken Loans and I expected they would follow FHA guidelines in providing a loan to me and they didn't. So, I hold Quicken Loans fully responsible. If Quicken Loans think the appraiser did not do his job, then they should be the one to pursue the appraiser. 

I want Quicken Loans to cancel my mortgage, take the house back and refund my down payment and moving expenses. 

( Unfortunately I was not able to upload attachment 3 because of size- the appraisal I had done on XXXX which showed a value of {$76000.00}. This has been sent to Quicken Loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2021-04-09
Company: WELLS FARGO & COMPANY
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 customer service

Complaint:
XXXX : Case Number : XXXX The issue is that I did not then, and still do not now have either an ATM or a Debit card that allows me to withdraw money from my account while I am overseas. So XXXX XXXX has totally missed the point. 

While it is correct that I don't have a US phone number to which the Bank could send me the one-time code, that is not the issue. My issue is that the bank needs to have ALTERNATIVE SYSTEMS IN PLACE so that customers who find themselves in the position that I am in, are able, by some other means than having a US phone number, STILL be able to get an ATM or Debit card while overseas. 

Furthermore, It is TOTALLY UNREASONABLE for the bank to take the position that the only way that this deficiency in their system could be resolved, is for me to return to the USA in order to get an ATM/Debit card. These observations are made in view of the fact that : Firstly : All reports suggest that currently, in the USA, the impact of COVID 19 and its variants is quite severe, therefore I do not want to return to the USA under these specific circumstances Secondly : However, The cost of returning to the USA is price prohibitive. 

Thirdly : The bank needs to have systems in place that customers in my position could use. 

Fourthly : When during my conversation with the CSR on XXXX XX/XX/2020 I had asked for the issue to be escalated upwards that was because there were no avenues for resolution with that CSR. I also found out that the bank could not even send me an XXXX XXXX, which would have been an alternative means by which the bank could verify my identity. So it is clear that XXXX XXXX who reviewed the complaint did not do a thorough review of the matter. 

Yes, I did ask for the matter to be escalated upwards as I was not getting any satisfaction. Hence the length of time spent on trying to resolve the matter. This extended time on the phone was as a result of the Bank 's inefficiency to adequately resolve the matter. Hence, under these circumstances, it is normal for the Bank to compensate me for the long time that I needed to spend on the phone with the various members of their staff. 

Lastly I also ask that the Bank communicates with me about this matter through my email address and not by mail through my XXXX XXXX address which is very expensive for me to Retrieve any correspondence sent to me there.

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 2021-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have logged in to my credit monitoring and found that a positive account XXXX with Account No. XXXX is not being reported in one credit bureau which is Equifax but is reported in the other two - XXXX and XXXX I am confused as to why so I sent them a letter to have this account reported as this is tremendously hurting my score. I am trying to be approved for something and that is why it is important for me to have all of the positive accounts that would help my score to be reported as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX  has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX XXXX, or Experian any written consent to report anything on my consumer report, No consent is 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 2021-02-10
Company: EQUIFAX, 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:
This is my second complaint to CFPB on the same dispute I made to Equifax months ago. An identity thief caused a fraudulent hard inquiry on my Equifax credit report by trying to open an XXXX XXXX XXXX account in my name on XX/XX/XXXX. This is 100 % proven by XXXX XXXX XXXX 's letter to me dated XX/XX/XXXX stating XXXX XXXX XXXX requested all credit reporters to remove this hard inquiry from all my credit reports. I mailed a copy of this letter to Equifax on XX/XX/XXXX as part of my dispute to Equifax and I wrote the Equifax dispute number on the copy of this XXXX XXXX XXXX letter I sent Equifax. I have no faith in Equifax whatsoever that they recorded this XXXX XXXX XXXX letter as part of my dispute. I spoke to " XXXX '' at Equifax today and she asked me 5 security questions to confirm my identity. I looked at my XX/XX/XXXX XXXX credit report as I answered her XXXX XXXX XXXX report included every correct answer. She told me her system rejected my answers. As a retired audit department manager with 23 years service for one of the leading universityhospitals in the US I can tell this Equifax rep almost certainly typed my security answers incorrectly. I say this based on 6 phone conversations I have had with Equifax reps. This is day 24 after I filed this dispute to Equifax. I have no confidence whatsoever that Equifax will resolve this issue. I will also submit a complaint to my elected officials re : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed 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 2020-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2020, XXXX XXXX I was putting large bills on my bank account in the XXXX atm in XXXX where i live to wells fargo, and it swallowed a XXXX $ bill. 
They tried to investigate, but in the end did not refund the lost dollar bill.

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 2022-10-05
Company: EQUIFAX, INC.
State: NC
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/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: National Credit Adjusters, LLC
State: MO
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:
Had a debt on my credit report that was removed and has now reappeared under new company ( National Credit Adjusters ) listing as an account that was opened in XXXX. THIS IS FALSE!!!! I did not open an account with them at all or in XXXX. Im in the middle of the mortgage loan process ( collection was added after process started ) and this incorrect information is ruining my credit score!!! Disputed this with the CRAs but NO response on resolution. This is account was not there when I applied for a mortgage loan on XX/XX/2020 so how was it opened in XX/XX/2020 but not reported by end of XXXX???? Reporting false data they is ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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:
The credit bureau is XXXX  its taken them 3 years and they havent fixed fixed anything after several documents I call every single day

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 2022-08-10
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: TN
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:
This is not my account - XXXX XXXX XXXX # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.

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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.

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 2021-08-17
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 filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX XXXX not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks

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 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
See the attached documents. Also, I attached screenshots of the previous options from steps one and two of this complaint process, because Amex is guilty of everything listed and it only let me select one option.

Company response to consumer: Closed with explanation