BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
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:
Unauthorized inquires are showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  showing XXXX, XXXX, exp when i sent hacking and ftc reports

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 2020-07-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2019-05-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried multiple times to cancel this amex credit card because I closed my business. Each time I call they say it is resolved, but I JUST GOT ANOTHER STATEMENT WITH late fees and some charge from a vendor I CANCELLED A LONG TIME AGO. these PEOPLE DO NOT UNDERSTAND when I tell them to cancel the card, then a fee is put on it. Some of the conversations are on chat and some are on the phone. Not sure of the dates, but This is going on for months now and they are getting annoying. the last chat I had, they stated I owed some other disputed fee, then they stated the card will be canceled but it still goes on. 
Now my XX/XX/XXXX statement has a fee plus some other amount that should not be on it since it was cancelled months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 I have applied for a mortgage loan to refinance my first and second mortgage on XX/XX/2021. I used bankrate.com to find the best rate based on my credit score and I chose Ally Bank. 
I was directed to Ally Banks website which I learned later on that it was Ally Bank Powered by Better! After I entered m y information, I received a call from Ally Bank employee who reviewed my application and credit score ( FICO XXXX was chosen as the middle score ). He told me that in order to lock the rate, Ally needs a credit card and payment for the appraisal. I received my rate lock ( loan lock ) sheet the same day for a jump loan at 2.375 % interest rate. 
I gave my credit card information to Ally Bank. I got a call from XXXX ( Ally Banks appraisal service ) within a day or so, and by Saturday of the same week ( within 2 day ), my home was appraised. 
I continued receiving multiple documents request, as tasks, and I continued completing all tasks. I was assigned a loan processor in California and continued to work with XXXX XXXX 
The appraisal came at $ XXXX and the XXXX was very low. 
XXXX XXXX XXXX tasks and submitted the package for underwriting review. 
I received another loan lock sheet from Ally Bank and they added to the points telling me that the points would be higher since I am combining my first and second mortgage ( HELOC ) into one loan. I went back-and-forth with Ally representative by finally gave in so that my loan would go through. 
Initially I had indicated to Allys representative that my loan was in forbearance during Covid-19. The representative indicated that that was not an issue. I wrote Ally a letter and explained everything at the beginning as well. 
All of a sudden, I was told by XXXX that their underwriting department has not approved my loan due to number of credit inquiries as well as missed payment! This was very strange to say the least because I was never asked to explain anything about these issues. 
Ally refuses to honor the rate although I have EXCELLENT FICO score and payment history. I feel like they have found an excuse not to honor the rate since the rates have gone up! My attempts to reach out to someone have gone unanswered. I keep receiving email confirmation from my Ally Banks loan processor, XXXX that my case is escalated to their Executive Customer Relations. I have not heard from anyone although I have repeated called and emailed them. 
I want Ally Bank to honor that rate that they have locked me at.

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 2018-11-05
Company: Medical Society Business Services, Inc.
State: AZ
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:
In XX/XX/XXXX, I checked my credit score and found a new account had been added by the XXXX XXXX XXXX XXXX to my report for {$150.00}, which brought my credit down by over 50 points. I submitted a dispute on XX/XX/XXXX and the account was removed between XX/XX/XXXX and XX/XX/XXXX, but my credit is still impacted. Why am I paying the price for someone elses mistake? Ive been working so hard to get my credit raised, and because someone XXXX  up, its affecting me. This isnt right, how can I get my score fixed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
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: Information belongs to someone else

Complaint:
I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX   that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.

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 2020-04-29
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX I # 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, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: United Check Recovery Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This started on XXXX/XXXX/XXXX. I received a phone call from XXXX XXXX XXXX XXXX, they left a message stating they were from XXXX and trying to settle a file that their client has placed and wanted me to call them back on number XXXX XXXX XXXX XXXX. I called that number back but was not transferred to anyone and it automatically hung up. Next day I got a call from ( XXXX ) XXXX, women stated her name was XXXX XXXX and was calling from the financial office of UCRB looking to get a statement of what happened between me and another party before they had to write a legal reccomendation. She only left her direct phone number which I called and left a message. She did not call back. I have never heard about this agency, and I 've never received anything in the mail from them in the past. I do n't want to give them my information unless I know they are collecting a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: FIRST NATIONAL BANK OF OMAHA
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a mobile deposit was made by me to my XXXX XXXX XXXX checking account for the amount of {$4600.00} On XX/XX/XXXX, XXXX   indicates the same check was 'negotiated ' at Wells Fargo On XX/XX/XXXX, XXXX debited {$4600.00} out of my checking account saying the debit was being made to 'reverse deposit made on XX/XX/XXXX as duplicate item '. 

There was no 'deposit ' made to my checking account on XX/XX/XXXX. 

As such, there is no 'reverse ' deposit to be made. 

Secondly, the original check I deposited through phone was destroyed after the initial deposit was made in XX/XX/XXXX. As such, there is no way a physical check could have been presented to Wells Fargo by another person, almost a year later in XX/XX/XXXX. 

Thirdly, even if the check was presented to Wells Fargo somehow, it is not clear how the check presenter 's ID was verified and confirmed. As I've never attempted to make a duplicate deposit with the same check. Again the original check was destroyed back in XXXX, XXXX. 

The original check was issued by XXXX XXXX XXXX XXXX ( XXXX ). According to their investigation, the duplicate check cam to XXXX via banking channels thru routine clearing. No individual presented the check to them and physical check never got to them. 

XXXX did not honor this check. Per XXXX, on XXXX, when the same check was presented they didn't honor it as it was duplicate. But somehow, the check was 'deposited ' to Wells Fargo account belonging to New Jersey Department of Revenue Services and the fund was withdrawn from my XXXX checking account. 

In summary, somehow a dubious, duplicate transaction was made using the same check ( or image of the check ) I'd deposited in XXXX, XXXX. XXXX   'reversed ' this transaction in XXXX, XXXX without my authorization. It is not clear how the physical check was presented to Wells Fargo as this is not possible. XXXX claims no responsibility. XXXX says they do not know what happened because this is a transaction made between XXXX and Wells Fargo. Meanwhile, the deposit stamp on back of the 'physical check ' indicates this money was deposited to an account held by New Jersey Department of Revenue Service . Lastly, it is not clear image of the check presented the 2nd time is actual copy of the 'physical check ' or mirror image of the picture taken back in XXXX, XXXX. 

XXXX and XXXX are claiming no responsibility for this transaction, even though there is no clarification as to how the duplicate transaction was attempted, to whose account the money was sent to and whether there was any validity to the 'reserve deposit ' transaction claim they've received from Wells Fargo 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 2019-05-18
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a signature loan from CashCall Inc. in the amount of {$2600.00} in XXXX of XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with CashCall Inc. I decided to seek legal assistance I never heard from CashCall Inc. again, in XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to XXXX California XXXX XXXX XXXX for the amount of {$4300.00}, when researching the payment I found out it was for the CashCall Inc. account, when I contacted XXXX California XXXX XXXX XXXX ( here-forth known as XXXX XXXX ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XXXX of {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.

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 2021-10-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, Citi Bank closed my account because they said of fraud violation committed. I have called multiple times and no one has been able to tell me when, where or even how I committed fraud on my account. I had XXXX on my account, Citi Bank withdrew {$7400.00} from my account leaving {$1.00} balance. End of XX/XX/2021 I received the {$1.00} in a check and not the {$7400.00}, I have since called Citi Bank about the missing money and they keep saying they dont know why I wasnt issued a check for the {$7400.00}. They have been unable to tell me what happened with the money. I have filed multiple complaints to which I have not received an answer other than my account balance was {$1.00} and they sent me a check for {$1.00}. I have called and spoken to multiple people at the Citi Bank branch at XXXX XXXX XXXX XXXX, CA XXXX. Not only has their assisting manager been horribly rude acting like I am asking her for her money, but I received the same answer as the representatives on the phone. They dont know where the money is and a request has been sent to see where the money is. Absolutely horrible service!

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 2021-08-12
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I applied for a car loan. I was approved for the loan, but with an interest rate of 9.4 %. They said the reason for the high interest rate was because the credit reporting agency that they went through, which was Equifax, showed my credit score was only XXXX. I have an account with Equifax and when I check my score it says it is XXXX. I did not purchase the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 missed XXXX and XXXX on my capital one credit card due to a hardship of health related issues. I haven't missed a payment in the past 3 years as a customer and would just like a forgiveness for the mossed 60 day payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: MI
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:
My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..

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 2018-04-23
Company: General Motors Financial Company, 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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: GA
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 know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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