BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: GATEWAY FIRST BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to complain about a denial of account opening without proper explanation. At the end of XXXX, I tried to open a checking account online with Gateway. I was denied with a dubious reason, that my " risk profile '' exceeded their policy : " Good afternoon, Upon further review of your application, we are unable to serve your banking needs at this time. The application risk profile exceeded our policy. Gateway First Bank '' I know for a fact that there are no red flags or delinquent bank accounts on file with any credit or consumer reporting agency. Furthermore, I make over $ XXXX and my FICO score is over XXXX so clearly I am no risk for opening a DEPOSIT account, not credit. Gateway owes me an explanation SPECIFICALLY why this account was denied. I expect a Gateway representative to CALL ME with this explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: AL
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 an attempt to correct my XXXX, EQUIFAX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - 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 I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: U.S. BANCORP
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 noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting 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 filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 CAPITAL XXXX XX/XX/2023 CAPITAL XXXX XX/XX/2023

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 2023-04-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I did a mobile deposit of my check from my employer on XX/XX/23. I received an e-mail days later XX/XX/23 stating that my account is closing within 60 days. I was told because the address my employer placed in the check did not match the address on my checking account that it was fraud and my account will close and I dont have access to the funds and I will have to wait for them to send a check. I called with payroll supervisor on the phone in XXXX and was told that they will send the check to me in the mail. As of today I still have not received my funds and now I am being told I can not get my funds after following their instructions from their customer service to wait 15 days after XX/XX/XXXX when the account was closed and check was mailed out 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 explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me.

XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX 2 Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATION/XXXX XXXX XXXX  Paid, Closed.

4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is trying to collect a PayPal debt of {$860.00}, which is a fee that I never incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Self Lender Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX  side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX  account # XXXX, Chapter XXXX Bankruptcy reference number XXXX, Chapter XXXX bankruptcy XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  account number XXXX Ive also had inquiries : 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 15 U.S.C 1681 section 602A. 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 without my written consent or written instructions.

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 2018-04-12
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Dave Operating, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I apparently entered some information with this company. I saw they had no service of interest to me. I closed the web page with the company called Dave, Inc. 
They started billing me {$1.00} often on a XXXX XXXX checking account. Absolutely fraud and an abusive  business practice. I am an attorney, so I think I know fraud when I see it. Of course, this is only my opinion, as all of this happened about 2-3 months ago and so my visual recollection-might be missing something, but I doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We remodeled our home in 2015 and added approximately 1500 square feet which increased our property taxes. We were trying to resolve the amount with the Assessors office and Mr. Cooper started collecting money in an escrow account to pay the past due property taxes. They paid some of our property taxes, but their statement of payments does not reconcile with the XXXX County Treasurer and Tax Collector 's records. Now they are attempting to charge us more than double the original mortgage payment. According to Mr. Cooper it is to repay an amount of property taxes that they can not provide proof of and to compound for future property taxes. When I try to call them to resolve this issue or ask questions about the amounts, Mr. Cooper escrow department hangs up on us. We have tried more than several times to discuss this with Mr. Cooper and resolve the issues. In the interim we have resolved all issues with the XXXX County Treasurer and have paid receipts that are shown on the XXXX County Treasurer and Tax Collector website. We have emailed the paperwork to the address given but can not get a response. We have not been able to speak with anyone at Mr. Cooper to resolve this. Please see attached paperwork for amounts and receipts and thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXT XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a transaction on my savings account with Citibank that says " Other Withdrawal '' for {$16000.00} on XX/XX/2019. I did not do this transaction. Citibank refuses to tell me ANY details about the transaction. I'm not even sure if the charge is being disputed or investigated. I've been bounced around on the phone several times. I will go in sequential order 1 ) In early called citibank to find out why they are closing my account. They said there was a fraud issue and that they would close the account and mail me the funds if I verified my address. I verified my address and they mailed me a check for only {$1600.00}. This was the money that was in the checkings account. They did not mail me the money from the savings account. 

2 ) Upon receipt of the check i called back again and asked them where is the savings account money? They told me it was going to come in a separate check. That check never came. 

3 ) On XX/XX/2019 I called Citibank back and they still refuse to tell me what is going on with this transaction. How did this transaction happen, when, where, what is it? Where did the money go? No answers. 

Citibank has my money in limbo. I want to know what is going on. Please note the following : Citibank never contacted me to inform me of ANY of this proactively. No email. No text. No phone call. I had to find out on my own by trying to access my account.

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 2023-09-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 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 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 non-monetary relief