BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XX/XX/XXXX I was contacted by XXXX XXXX from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from check n go in XXXX and that I used a XXXX XXXX  account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX on XX/XX/XXXX XXXX  and XX/XX/XXXX he never stated when the check and go loan was taken and I never signed or took out such a loan in my name. I looked onlineat check n go and it said I had a loan for XXXX through check in go on XXXX but I closed my bank accounts through XXXX XXXX onXX/XX/XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe XXXX he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am trying to obtain the agreement used by GE Money Bank and Paypal back in the year XX/XX/2006. Unable to obtain agreement.1.  Is there a way to obtain this agreement in XX/XX/2006? 2.  What federal statutes apply to them having to keep a copy of the original agreement ?

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 2020-07-14
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been given false hopes or discriminated or treated unfairly. I have been working for 5 months with AFN with a senior loan officer who has been misleading me and getting information with no result twice after telling me I was prequalified preapproved for a refinance cash out which I have been trying to accomplish. Twice she pulled my credit causing me to get my numbers lowered or questioned by credit bureaus unnecessarily except the first one. Later, she revealed to me that her company was pressuring her personally to submit applications and she admitted that my loan is rejected but the company would not give me the real reason for the denial. She is leaving the company and she would like me to apply with her new company since it is a better company. She revealed that my separation agreement is a concern and that the dots do not connect she was told verbally and via internal email she could not share. I submitted a legal document regarding my separation and gave all the information required. I was treated unfairly with no good faith to make this a reality. I spent a lot of time losing time and money with false hopes and till date I have no written reply from the company. The loan officer has left to another company supposedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Account information incorrect

Complaint:
On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for 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 2018-03-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these accounts with all three credit bureaus by letters.

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 2018-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these accounts with all three credit bureaus by letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #

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 2020-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Personal information incorrect

Complaint:
Back in XX/XX/XXXX I noticed several erroneous names and other information on my Equifax report. One was that it listed me as putting an " Active Duty Alert '' on my account. I have never been in the military. I called. The people on the phone want outrageous amounts of information like on what date I opened a credit card or what the last amount was on a credit card. My husband pays the bills and we have quite a few credit cards. How can someone remember in XXXX what their outstanding balance on one card was in XXXX or what card was opened in XXXX? So I had to hang up. I went on line and reported the errors. The Equifax system would now allow me to change the " Active Duty Alert '' even though there was a button to " manage alerts ''. So I submitted requests to fix the name and address issues. I faxed and mailed a letter on XX/XX/XXXX to Equifax. In XXXX I checked the account and some info was fixed. I fixed what was still wrong. BUT, the Active Duty Alert was still on. I faxed and mailed another letter on XX/XX/XXXX. In XXXX I checked again and once again the " Active Duty Alert '' was on the account. I sent yet another letter to Equifax. All of my requests have been ignored. I just checked and the Alert is STILL on my account despite 3 phone calls, 2 faxes and 3 letters over almost 6 month. For some odd reason someone else or Equifax was able to set up the Active Duty Alert but they will not take it off when I tell them that I did not request it and that I am not on active duty. I've called several times to fix it and each time I get people who are outrageous in their requests for information from me. At one point the person was delving so far into my life that I hung up. Equifax should not even be allowed to operate in this arena, they are that bad. They are disgraceful. I'm attaching the two faxed letters. The second faxed letter from XXXX was actually mailed again in XXXX but it was the same letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :

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 2021-02-22
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed a cash-out refinance with ( Rocket Mortgage by ) Quicken Loans on XX/XX/21. I signed the " 3 day right to rescind '' disclosure at closing, and I chose to invoke it on XX/XX/21. 

on XX/XX/21 I emailed my closing agent stating I wished to invoke my right to rescind, which they acknowledged, and I mailed a physical copy of the same letter, via certified mail on XX/XX/21. 

on XX/XX/21 the transaction executed, despite my rescission on the deal. I received the closing funds via wire transfer and my mortgage was paid off and my new mortgage opened with Quicken Loans with a balance of {$500000.00} It has now been 40 days since I invoked my right to rescind and I still do not have my mortgage back. have been in contact with a " resolution advocate '' at Quicken, but have not received any guidance on when the transaction will be unwound. They have repeatedly requested that I initiate a reversal of the wire transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I want to make a complaint about Santander Bank they repo my car I couldnt afford it anymore due to the high interest the bank had every payment I made was not even touching the capital only interest rate. I found out people are suing this bank and I would like for the repossession to get off my credit because this is nothing but a corrupted bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Throughout the years I have made payments with all my credit cards and they have always first paid the highest interest rate balance first and then if any money was left from the payment, the bank would pay it toward the rest. I did a balance transfer payment to my Wells Fargo signature credit card on XX/XX/XXXX for an amount of {$7500.00}. I had made other payments that month one for the minimum and another just to round up my balance, {$250.00} and {$150.00}. The additional {$7500.00} was supposed to pay off my purchasing balance ( whatever I had bought that month ) and a portion of a promotional rate ( with a balance of {$6300.00} ) which was expiring that month ( expiring XX/XX/XXXX ) into regular rate. I had just obtained another promotional rate from Wells Fargo which was 0 % until XX/XX/XXXX in the amount of {$5000.00}. What Wells Fargo did was, they took the {$7500.00} and divided it into 3 and paid it toward 1 ) {$1500.00} toward Purchasing balance 2 ) {$3300.00} into the promotional rate balance that was expiring XX/XX/XXXX leaving me {$2900.00} of {$6300.00}. 3 ) {$2700.00} of the {$7500.00} was applied toward the promotional balance of {$5000.00} at 0 % that will expire on XX/XX/XXXX leaving a {$2300.00} balance. I called Wells Fargos Credit card customer service line and they said it shouldnt have been applied that way and they will try to fix it. They said that they will make an exception and send the money back to my savings instead of sending it back to the Credit card which I did the balance transfer from so that I can remake the payments so they would apply the balance to the lower interest rate. This never happened and I called back. They told me their colleagues gave me the wrong information, they cant do that, actually they cant do anything. They told me to file a complaint with them, so, I did and the investigator sent me an email and said they did the right thing and they cant change it. I am so frustrated because none of my credit cards including Wells Fargo have ever done this to me. I always pay down or off high interest credit cards and this is the first time they divided it and applied one third of the payment towards a 0 % rate. I am brining this to your attention because I dont think this is in the best interest of any consumer to experience what happened to me. I would like to know if there would be anything your agency could do to raise awareness and make this right.

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 2018-03-30
Company: Experian Information Solutions Inc.
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 looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA

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