BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, Chime without Notice nor Explanation stole over {$36000.00} from my Savings account and closed my Account, I immediately contacted them, they continue to give me and my wife the run around via email and phone. 
I tried explaining to them that I linked a XXXX card to my Chime Account so that I could have access to my account, until my permanent Debit and Credit Builder Card arrives, I'm a tXXXX XXXX and only card I have is the XXXX card I just activated same day ( XX/XX/23 ). They claim, I went against there Direct Deposit Agreement olicy Agreement, because I moved all my money to my Savings, I moved my Money because I didn't want unauthorized merchants or people gaining access to my Chime Account. 
I've given Chime everything but a XXXX XXXX XXXX XXXX  to prove I'm XXXX XXXX, as well XXXX XXXXXXXX Bank Statements and my Boss XXXX XXXX ( XXXX XXXX ) to Verify Wages, Deposits and Employment. Yes I'm reporting theft of my Money, because Locked me out of Access to my Chime Account, and other people Complain Chime has done this to them, As a resolution, I want chime to Refund all of my Money with in 14 days. And I promise to XXXX to never do business with there Financial Establishment again. This has caused confusion in my home and a burden on me, I have Rent, Bills, XXXX children I'm paying Child support for, I've Used Chime over XXXX years, for them to press a button and Wipe all I saved is Wrong Proof I'm the owner of XXXX XXXX  card picture submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The whole process with Bank of America was extremely unprofessional. First off, the loan officer I was working with spoke to me on a cell phone and not a recorded line which is violation with regulations. This took place from the time I started the process with them ( est : XX/XX/XXXX ) till I refused to talk to him anymore ( XX/XX/XXXX ) I told my loan officer multiple times that I wanted to escrow both my property taxes and HOI. He even emailed me at one point asking if I wanted to escrow my HOI and I told him again yes. I went to closing and the closing documents did not have me escrowing my HOI. Due to Bank of America already missing my closing by more then a week and how long it took them to create and send over the closing documents, I just proceeded with signing to cause no more delays. 

The whole Bank of America team was extremely unprofessional and inefficient. They were not sympathetic what so ever after we missed my closing date. During this whole process my loan officer messed up several times on my estimates and kept requesting for the same documents. Whenever me or my realtor would ask for an update he would not respond and the off chance that he did, he'd just reply " Working on it ''. We tried to contact his managers and even branch VP which for weeks none of them responded. After multiple attempts they final started responded but with the same short and unhelpful responses. I even attempted to go into a branch close by to me and see if someone within Bank of America could get ahold of someone for an update and they couldn't. On top of all of this, after the 3rd time we had to reschedule closing, my title agent reached out to my loan officer and was able to get in touch with him. She wanted an update on when she would receive the documents and he used profanity towards her.

I'm a mortgage loan officer and have worked and done business with a good amount of lenders. In all my time I've never seen such an unprofessional process from beginning to end. I hope everyone can see this and hopefully steer them from going with Bank of America in the future. I've talked to a few other people who have gone with Bank of America and they've all had similar experiences. I have been banking with them for over 10 years and will be changing banks immediately.

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 2022-09-09
Company: Western-Shamrock Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Wester finance in XXXX OK It was in XXXX Oklahoma but moved to XXXX and switched people in office from good ladies to awful ones they have been calling a place I work part time and almost got me dismissed I'm a single mom and have had this loan for 6 years straight just to build my credit but thanks to the women in that office I have almost lost my income and my credit has dropped to a point I want to give up even trying to work on it I don't care about all the details I just want it on record that those women are hateful and if I wasn't on medication I would seriously think about ending my life they have me thinking I'm gon na go to jail because they tricked me into refinancing saying since you can't make a payment you will have to refinance which has completely screwed my finances up I tried to give them all the money I had but they wouldn't take it cause it wasn't a full payment how am I ever going to be able to pay it off if they won't take my money just add more charges I can't afford those ladies will run that business in the ground.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXXXXXX XXXX local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/XXXX the same date of statement closing on XX/XX/XXXX. XXXX XXXX incorrectly reported the balance as {$3300.00} to XXXX and Equifax. When it should have been {$1800.00}. This error incurred by XXXX XXXX caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/XXXX. I paid this today ( XX/XX/XXXX ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Nelnet, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX  days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started loan process with XXXX XXXX, GR rep in XX/XX/XXXX. Presented my case to him. Newly Chapter XXXX discharged in XXXX 2020. Working with realtor who recommended him. No problem we will get you funded. Got preapproval on final contract in XXXX. Sold my other property and closing date scheduled XXXX XXXX 2020. New purchase closing scheduled XX/XX/XXXX. Notifications start coming two weeks prior - to extend my date. I was asked to provide info and I was originally given a conditional clear to close in early XXXX I think. Then after working with their agent XXXX XXXX to get what they needed, then nothing just asking for extensions. I had to move out of my house and the new seller allowed me to move into the property at the end of XXXX. From then is what continued request for extensions sent to my attorney and this went on until XXXX 2020. When finally they came back and said sorry we are not going to fund you. So I had to secure a new loan with a new vendor. Mis-representation at its best when i reached out to them to try and secure my request for reimbursement i told them they had never sent me a denial letter. So they created one for XXXX XXXX 2020 which said that I was denied credit for bankruptcy and credit issues. It was never due to either of these things since my bankruptcy was presented originally. I showed proof of all payments they required of me and any other documentation. I letter from the clerk of the bankruptcy court validated all my payments were made on time and under the program. So I am claiming that denial is a fraudulent statement. They even tried to present my loan to Proper Rate and asked for extensions to that company which actually had no FHA loan clearance to even process the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello. I currently bank pnc bank. I have issues constantly when I try to link my account to a third party such as cash app or XXXX who both use plaid. Every time I think I have it corrected pnc does something to interrupt the connection. I understand that the security aspect. But this is my bank account and I would like to use it how I want to use it. Its extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Possible Financial 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 is missing that should be on the report

Complaint:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SENTE MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX of XXXX Sente/XXXX  mortgage company sent insurance payment of XXXX to XXXX XXXX  XXXX with a bulk check for all payments to XXXX. This check did not have our insurance account number on it, therefore XXXX sent a wire transfer back to Sente mortgage of the above amount by wire transfer XXXX which was then cashed on XX/XX/XXXX. This was never identified as an issue by myself or husband until our XXXX insurance payment increased in XXXX of XXXX. Once we identified that this was not a one time insurance increase we called XXXX and identified that the above was a problem. Over the last months phone calls to both companies to inquire about the missing payment were made. 3 way phone calls occurred and investigation into the missing payment has been ongoing. Within the last month the trace number from XXXX to Sente mortgage was identified and inquire is still ongoing currently. Sente mortgage has felt mostly obstructive, with only a few helpful agents trying to resolve this situation. I am not sure if it is a company policy for Sente mortgage, but there has never been a promise to have someone call and contact us to follow up, it is always call back in 5 business days and then I am left hoping that someone helpful answers. This has become increasingly frustrating and feels like a stonewalling to get us to give up recouping our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may Concern, I am in disagreement with the items listed below which still appear on my credit report, even after their investigation. I would like these items immediately removed from my credit report. these inaccuracies are highly injurious to my credit rating. The Account are : ( 1 ). XXXX XXXX Bankruptcy After their investigation they claim that the information was verified by United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida. Which is strange because I Contacted the United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida and ask them why are they reporting these inaccuracies to the credit bureau? they responded back saying the Bankruptcy Court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies. and plus my XXXX Account has been frozen sine 2021, I have all document to prove which I will upload so you can see. So I am Truly confused how they are validating this information someone is lying

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 2022-09-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
O n Thursday XX/XX/2022 I received an email from PayPal that I have an invoice for {$560.00} USD from a digital currency company called XXXX. I did not participate in any transaction with XXXX and did not make any purchases of digital currency. I canceled the invoice through paypay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2022, Navient called both my father-in-law and my sister-in-law. I don't even know how they got theirs names or information. My name is still legally XXXX and do not go by XXXX. It is 100 % inappropriate for them to be calling any of my family let alone my in-laws. I have made the request for them to stop and that I am reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a fraud transaction on my checking account where money was wired out by an unknown party. This occurred XX/XX/22 and I am still trying to resolve this with the bank. The bank indicated that they deny my request to get the money because I released information about my account. They indicated that I verbally approved this transfer. I just found out that the voice the bank had was not mine. They also said that I provided them with personal information which was not the case. I am trying to get a written transcript of the conversation.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-10-13
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of XXXX, it was the balance of my loan. The payment wasn't process for XXXX  days and as a result, the account accrued more interest. I called and talked with someone, who with XXXX approval, said they'd XXXX out my account and send me a letter of notification. Neither happened. I used the XXXX XXXX online feature, and XXXX week later I've had no response. My interest is now > XXXX Small but ridiculous. I paid it but am furious I'm paying again. This also means other people are paying more than they should on their accounts if payments don't stop the interest accrual on the updated primary loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
I am a natural person ; I am a living human being I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because, according to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation