BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: RI
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:
My wife and I are applying for a loan. Our lender was unable to pull the Tri-report because Equifax has both my wife and my current and previous addresses incorrectly annotated. The other two bureaus report our information correctly. 

We were advised by Equifax to provide documents, to which we did - via both fax and overnight delivery. one option NOT available to us is via faster encrypted email. We were told the issue would be resolved in 3-5 business days for the documents to be reflected on our credit file, but we would only be notified IN WRITING and via the post office that may take up to 30 days! With today 's modern technology, how can they not immediately email/text us responses that our information has been updated to prompt us to check our files? 

My wife has called Equifax daily, every business day, since XX/XX/2019. As of XX/XX/2019, we were informed by Equifax personnel that her information has not even been received by the bureau. Our queries as to whether or not the fax/mail was received only prompted scripted responses, which of course were of no value, only that we would receive written and mail responses within 30 days as to when they do correct errors that they created. 

We would like the ability to purchase our home but, when dealing with an organization whose business model is based upon data accuracy - and the absolute protection of that data - we can not move forward with a loan because a company has poor business practices. These insufficient business practices include both data accuracy and customer service related to the correction of data errors ( which, incidentally, were created by the business and not the customer ). 

We can not wait the 30 days for a letter in the mail to confirm that our addresses have been updated, nor should be wait beyond the 3-5 business days claimed by Equifax to only be told they have not received our information.

**point of clarity - I am writing on behalf of the issues pertaining to my wife. I too have errors just recently discovered, but I have only recently given Equifax my updated information. Therefore, I can not in good faith claim faulty services on my behalf ... yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having a continual issue of opening up a checking, savings, and secured credit card account with U.S. Bank due to having previous U.S. Bank accounts that was XXXX under XXXX XXXX bankruptcy 2 years ago and me having a previous bankruptcy on my XXXX XXXX, XXXX, XXXX, and XXXX XXXX credit report. U.S. Bank is refusing to open any accounts for me due to the previous accounts that was XXXX in bankruptcy in the U.S District Court District of Minnesota Bankruptcy Court. U.S. Bank is discriminating against me based on my previous relationship with the bank, based on my race, income, and me having a previous bankruptcy on my credit reports. U.S. Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : 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 2018-01-04
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.

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 2022-02-04
Company: Lawson Hamilton & Associates
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
LAW HAM ASC is reporting on my XXXX credit report that I owe them money and have not validated the debt Ive tried to call and my calls havent been unanswered. I have never done business with them nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification this morning from my credit alert that a new account has been reported on my credit file. It states that I opened the account on XX/XX/21 but I was out of the country on this date. I have flight and hotel receipts to confirm I was in XXXX celebrating my birthday. 

When I called the company the representative spoke very little XXXX and kept asking me to make a payment while overtalking me. Would not verify any of my information, who the debtor was, just kept asking me for credit card information to make a payment. We are in the middle of buying a home and my credit reports have been frozen for a year. They were just unfrozen Monday and a new debt collection was reported today. 

From what I can see on XXXX the account holder is National Credit Adjusters , LLC the account number is listed as XXXX. It states it is a collection account with a past due balance of {$480.00} opened on XX/XX/21. The Original Creditor says The XXXX XXXX XXXX but I have never lived in Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is in regards to harassing phone calls that i have been receiving from Ally Financial in regards to an auto loan that i currently have with this company. I been starting to have issues beginning with XXXX of last year. I had fell slightly behind with my auto loan in XXXX because I had a financial emergency. I have called Ally and explained what was going on and how i will be addressing the situation. However this company continues to call my phone repeatedly multiple times a day and leaves multiple messages a day and even got to the point of calling family members. I have called them on a few occasions to let them know that i do not want them calling my phone multiple times a day and not calling my family members at all. They have not to my knowledge called anymore of my family however they are sending text and repeatedly calling my phone.

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 2018-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, three transactions occurred at locations I never went to use my XXXX  credit card. First two transactions at {$300.00} ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the third at {$310.00} ( XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ). I have ONLY used this credit card in XXXX, Ohio and XXXX, Ohio. So there are three fraudulent transactions which took out {$930.00} from my credit card balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo NA has broken myriad laws and and violated many SEC regulations, including covert action to block transfers between XXXX and XXXX XXXX  by executing small pending transactions to force The Federal Reserve to be duty bound to reject a money transfer, while I was under duress, and another account holder - XXXX XXXX - had to be my money manager as a result.

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 2019-05-02
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019, Phoenix Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. 
attached a debt to my credit for medicaid payed bills, amount of {$1900.00}. 
i responded to them to validate the debt, with no reply and hang up phone calls, i took the matter in my own hand and received a Statement of account from XXXX XXXX XXXX XXXX stating i had a {$0.00} balance and sent it to Phoenix Financial. 
Mrs XXXX called on XX/XX/2019 and stated the statement of account did not prove that i had a XXXX  balance .. and that i still owed the balance to them.. " phoenix Financial '' and told me that " the validation of debt was in the mail once again! this has been going on for 3 months & 4 letter 2 faxes to Phoenix with requests to speak to a manager & no calls, No names. no return letters, and a bad mark on my credit, with no legal proof that there is a debt, Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested information on removing the PMI from my mortgage. A form was mailed to me describing the options to remove the PMI. One of those options was to have the house reappraised and if the new value of the home brings my XXXX below 80 % the PMI can be removed. I paid over {$500.00} to have the appraisal done. After the appraisal I received a letter that the request to remove PMI was denied because there was not " substantial upgrades '' done to the home. One of the stipulations was that if the loan is less than 2 years old there needs to be substantial upgrades. Before I agreed to have the house appraised I personally believed there were substantial upgrades and I listed them on the form. There was never a list describing exactly what substantial upgrades consisted of. So, even though the house appraised for a significantly higher value to bring the XXXX down below 80 %, the request was denied. 

I spent countless hours and spoke to countless people and explained to them that I didn't think it was fair because I didnt receive a list of what " substantial upgrades '' consisted of. If I had known what that list was I would never had agreed to spend money to have the house reappraised because I would basically be throwing money out of the window. 

This is what I really have a problem with ... After requesting all the signed forms I received two different forms from them. One is the form I signed requesting a reappraisal and nowhere does it state what substantial upgrades consisted of. An additional form was sent to me that mimics the one I signed but the only difference is it states exactly what substantial upgrades are. It looks to be a modified version of the one I signed. I feel that the company altered the document to reflect what substantial upgrades were and sent that to me. This form was not signed and I definitely did not receive it. I have a well kept file of all documents received from the bank. 

I have received customer service that is far below what I would have expected. I have spent hours on hold and spoken to multiple different associates who all seem to not have a grasp on exactly what is going on here. I feel that this company has taken advantage of me during a time that large companies should be looking for any way possible to help out a fellow citizen. This company has not budged at all or offered any resolution to my concern. I have been an outstanding customer and have made all of my payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), Early Warning, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that  XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

Company response to consumer: Closed with explanation