BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And Equifax has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX XXXX got and insf statement dated XX/XX/XXXX on account that i dont hawve. for {$190.00} asked for fraud debt wouldnt send me there - not me. 

also got a bank statement from united bank account # XXXX dated XX/XX/XXXX Not me either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. 

On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. 

On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. 

It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. 

Please advise. 

XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

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 2019-05-13
Company: VW Credit
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
VW credit, audi financial intentionally destroyed my credit. The payment may be late but due to unexpected, unforeseen emergency and have been unable to pay current but make sure account doesn't go over 30 day. Payment is paid every month by the same date as reps has mentioned that if paid by 3rd, payment will not report derogatory. Therefore, I make all efforts that payments are paid monthly and by the 3rd. These conversations with the Audi, VW reps were recorded.

VW credit, Auti financial does not attend to serve me accurately as a customer and should correct this inaccurate reporting immediately. VW credit, Audi reported me derogatorily to all credit reporting agencies and I paid by 3rd as I did prior months, however reported this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AMERICAN EXPRESS COMPANY
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:
American Express sent me an offer for a XXXX XXXX XXXX XXXX. It was my understanding that it was for my business and not for me personally. I was directed to amex.us/XXXX to fill out an application for my business. Toward the end of the application, after entering all of my company 's information, it asks for personal information about an owner of the business. I entered the info then came to the part where it asked for my social security number. I was wary at first but I saw an icon next to the input field that is common on web forms to give more information about that particular item. When I clicked on it it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity. '' which led me to believe that they were using my SSN ONLY for the purpose of verifying my identity. Nowhere on the application did it say that I authorized them to run a hard inquiry on my credit report. I even did a search on the entire page for the word " inquiry '' and not a single result appeared. After submitting, they, of course, hit my credit file with a hard inquiry. I feel that the practices that they are using are deceptive and misleading. Furthermore, I did not authorize American Express to run a hard inquiry on my credit file. I did not sign any application nor did I check any box which gave them my consent. They are currently using verbiage along the lines of " By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures as outlined below '' but as numerous court cases have ruled only clickwrap agreements are enforceable and not browsewrap agreements... for a clickwrap agreement to be enforceable, a user must give active affirmative consent by actively clicking a box or button that says " I agree ... '' not just some part of the page that says by submitting the form below, you agree to the terms listed on this page... 

My rsvp code was XXXX and they ran the inquiry on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently discovered unauthorized inquiries displaying on my credit file with Experian. I have been a victim of identity theft and have not applied for credit in anyway. I took the liberty of filing identity theft report in reference to unauthorized inquiries. Again, I did not apply for credit. Please assist me CFPB in resolving this matter. Enclose you will find report listing the inquiries in question. 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: U.S. BANCORP
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:
on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is ELAN FINANCIAL SERVI FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ELAN FINANCIAL SERVI opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

ELAN FINANCIAL SERVI HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.

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 2021-09-21
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was taken and a person transferred {$7400.00} to their cashapp account. I tried to stop the payment, i requested a refund, and cash app did nothing. I made a police report about it. Cash App had no interest in the police report ( XXXX XXXX County MI Sheriff ). Now they are refusing to credit my account. They contradict their own policy by allowing such a large transaction evidenced below.

20. Transaction Limits. This Section describes the maximum amount that you can spend, transfer or withdraw using your Card during the time periods described in this Section. 

Per-Transaction Spending Limit. The maximum amount that can be spent using your Card is {$7000.00} per transaction. 
Daily Spending Limit. The maximum that can be spent using your card per day is {$7000.00}. 
Seven-Day Spending Limit. The maximum amount that can be spent using the Card in a seven-day period is {$10000.00}. 
Thirty-Day Spending Limit. The maximum amount that can be spent using the Card in a thirty ( 30 ) day period is {$25000.00}. 
Withdrawal Limits. The maximum amount that can be withdrawn at an ATM or a POS devic e is {$1000.00} per transaction, {$1000.00} per day, and {$1000.00} per week. 
https : //cash.app/legal/us/en-us/card-agreement By allowiing {$7400.00} transaction , they are violating their own policy. They could of froze the account that funds were fraudulently transferred to so they could at least investigate, they did not. These actions make them complicit in the wire fraud and larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Collection Bureau of America Ltd.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Credit Bureau of America - " CBA '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that CBA would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that CBA sticks to their word and requests the deletion of this collection from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX to XXXX  XXXX XXXX  for credit card and then the account was closed. They then said it wasn't paid and sent it to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: SC
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: MB FINANCIAL, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: PulteGroup, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Pulte mortgage is the company I received a loan for a new home at the XXXX XXXX community at XXXX Arizona. 
we received a home warranty for 2 years on this loan purchase. we informed Pulte 2 times that our upstairs bathroom shower was leaking into the garage. the first time they sent someone who was not a plumber and he told us nothing was wrong. then it happened again and caused even more damage, and a visible crack showed up after continued use. the 2nd time they sent a plumber but they refused to honor the warranty on the home. 
we paid for a warranty through our mortgage and this company is refusing to honor this warranty. this is not the first time something was not honored. we had to repeatedly complain until they fixed : 2 concrete cinder block fences that were falling down, 3 leaks in the kitchen sink which caused damage because they didn't install the sink correctly. 3 AC complaints because the AC wasn't installed correctly, and blinds that broke off from window because it was not installed correctly. 
Pulte got its money and a 8 month old home is not being fixed due to their negligent building process.

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 2021-09-07
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CFPB Complaint ID XXXX - It is now over 30 days since the company replied to my complaint stating that I would receive validation of the account and I have not received ANYHTING even after sending 4 letters requesting this validation over the span of 90 days. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY REPORTS AS THEY CAN NOT COMPLY WITH MY REQUESTS OF VALIDATION. 


I have sent at least 6 letters to both the Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXXXXXX, WA XXXX addresses over the span of 90 days and haven't ANYTHING back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
BofA is a discriminating prejudice dishonest and XXXX bank. They'll deny you a good credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They'll put you in a high apr credit card with a low limit credit card to hurt your score. I had XXXX score and they denied me cards with lower APRs. You'll be stuck with no way of improving your score even when you're eligible for other cards. There's no other reason they'd do that if you have a good score, good income, and generally well off financially. There's a reason why people of XXXX have poor credit scores. YOU'RE DETERMINED A RISK TO THEM BECAUSE YOU'RE A MINORITY. you'll pay higher rates for everything including on cars as I was shopping for a new one. Beware of this bank. Where you bank can make a big difference for XXXX justice. BofA lost my trust and I'm ready to challenge them against denying me credit cards.

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 2020-09-15
Company: BARCLAYS BANK DELAWARE
State: TX
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 is my 2nd complaint to the CFPB in this regard ( XXXX ). My previous one was closed without proper resolution. I have issues getting a companion certificate that was issue earlier this year. I have now filed 3 research tickets with your phone support team with no resolution. ( Internal case number XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX XXXX. According to the rep, no one has responded to the prior 2 research tickets The below is an excerpt from the letter sent to me from my last CFPB ticket. I was told a copy of my certificate could be printed from my online account. I signed on and was not able to find it. I called the number in the letter and they were not able to find it as well. They apparently were able to sign into my account ( emulating my access ) and was not able to find it either. I called on XX/XX/XXXX at XXXX CST. I specifically spent extra on the card to meet the threshold. I now have a 3rd research ticket. Can someone please help me? 

Barclays letter to me dated XX/XX/XXXX : Dear XXXX XXXX : I am in receipt of correspondence forwarded to Barclays Bank Delaware ( Barclays ) from the Consumer Financial Protection Bureau. I understand your concerns about the companion certificate, and will detail the results of my investigation.In review of your correspondence, you stated that you previously requested a copy of the companion certificate. Regrettably, I am unable to substantiate your claim. According to our records, we have not received any requests from you regarding a replacement companion certificate. As a goodwill gesture, the companion certificate expiration date has been extended to XX/XX/XXXX. You may confirm this action by visiting our customer website at XXXX. Here, you will also be able to print a copy of the companion certificatefor your records. I regret any inconvenience this matter has caused you. If you have any additional questions that we can assist you with, please contact our Customer Care team, where a representative will be able to assist you 24 hours a day, 7 days a week at XXXX, XXXX XXXXOffice of the PresidentCC : Consumer Financial Protection Bureau

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