BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process with Cardinal Financial XX/XX/2020. I submitted all the necessary paperwork as I work for a mortgage company myself. The week before I was supposed to close I was asked for documentation. I was reassured I would close on time. The week of my closing I was left in the dark as to the status of my loan. Fast forward today, 2 days after closing they had all the information they needed weeks ago. I am losing the house and my earnest money {$5000.00} as no one gave me straight answers. I received nothing. I can determine I was discriminated against as I am also an Underwriter which makes over six figures. I believe due to the nature of my employment also being the same position as the person whom reviews my file created unnecessary bias and discriminatory action. I was asked for items the investor whom purchases the loan would not need. I provided XXXX XXXX XXXX guidelines to support the lack of validity to the request. 
I have no other option. My family will be homeless as we were mistreated in this process. I also believe due to the XXXX of my skin, a XXXX of XXXX I was treated with lack of respect and not given direct answers as to the status of my loan. I have the evidence of being treated unfairly possible redlining as I was purchasing in an area with lack of diversity. I informed the key players I will lose my earnest money, out of a home etc by XXXX today. As I write this letter it is XXXX on XX/XX/2020 with no response or status update on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX 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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts or inquiries. Please remove them.

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 2020-11-13
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Comenitycapital/XXXX inquiry on my XXXX Report was not initiated by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BlueChip Financial
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) 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 2020-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Experian reguarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

they have violated my rights to have a fair and accurate information on my credit. 

My person information my credit report is inaccurate as well. I have requested my addresses, phone numbers and names corrected on my report this is a violation on my consumer protection rights.

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 2022-08-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and Equifax 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. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
I have Hard Inquires that need to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
please see previous complaint. I sent over the police report and FTC report and now they still say it is not sufficient to say that im a victim of identity theft. They refuse to delete the inaccurate information. They are not following the law and are reporting someone else 's social security number on my Chex systems report. Now they want me to file another police report and also a NEW FTC report but the FTC report needs to be signed by a law enforcement officer also. So they advised me to go back to the police department and file another police report but this time make sure that I say that the account in questions which is XXXX that was opened in XXXX because the police report I have is dated for identity theft and I reported it in XXXX. Thats when I found out I was a victim of identity theft was in XXXX not XXXX till Chexsystems advised me of that supposedly. So they want me to also file another FTC report and that FTC report HAS TO BE SIGNED BY A LAW ENFORCEMENT OFFICER. I told them that I did not think that a law enforcement officer would want to sign my FTC report because they did not write it up, I did that myself, and the police officer would only want to sign what he writes if what im thinking which makes sense. I would not want to sign anything I did not write. This is crazy, not fair my consumer protection rights are not being followed and they are violating the law of reporting false information on my chex systems report which clearly is someone else 's social security number. I want chex systems to provide me with a copy of the Social Security card that XXXX used to have this account opened so that I can see if that is my matching social security number which I know is not but I want to see if the bank followed the rules of making copies of what was used to open this 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 2020-07-03
Company: Conduent Incorporated
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Received unemployment payment on a debit card issued by the state of Georgia ( Way2Go Card ) even though when i filed my unemployment claim, i requested direct deposit. Received card and need to pay bills. Opted to use Way2Go bill pay services ( GO program bill pay ) to pay my XXXX  Visa Credit card. I selected XXXX MC/Visa and input my credit card account number. Received confirmation and with in few days, it was posted on the Way2Go app but not visible by my credit card bank. I called XXXX and confirmed that they did not see any pending payments. So It's confirmed that the payment was removed from my account but did not go to the proper recipient. I attempted to call Way2Go to attempt to resolve this and have the funds returned but they said they file a case and it will take anywhere from 45 - 90 days. This is a nightmare. That's a lot of money gone and the service I used that ultimately made the mistake is not remedying this appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.

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 2020-06-04
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 we started receiving notifications that our credit rating was lowered due to a bad report by Credence Resource Management on behalf of XXXX. I contacted XXXX XXXX XXXX XXXX and they have no record of us having a XXXX account. Have contacted credit reporting agencies and filed a dispute on the false claim by Credence Resource Management. Our town does not have XXXX or XXXX XXXX XXXX landline service. We received blind call ( Numbers only as caller ID ) today and normally we don't answer these calls. Turned out it was a caller from Credence Resource Management. When I told him that XXXX XXXX XXXX XXXX was not available in our area, he would not discuss and hung up. These folks have messed with a great credit report and should fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: 4M Collections, LLC
State: OR
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:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. SOLVERITY ( Opened XX/XX/2017). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Capital Link Management, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Simply put ... .This company calls me after XXXX. Tonight, they called me at XXXX XX/XX/2021!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you

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 2021-05-28
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never applied credit from this Institution, A bill without signature does not imply that the debt is legit anyone may send bill and claim ownership. I am requesting you to send the Contract bearing my signature showing I have legal obligation to pay your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wire was inciate on XX/XX/XXXX through the online banking. On XX/XX/XXXX wire was place on hold and no further explanation was giving. I contacted the bank for more details but unfortunately no body can give me a direct answers on why the wire was stop. After my calles I got an email regarding recipients information which I provide the same day. Until this moment I have not receive any further explanation regarding the wire. the wire transfer is to make a payment to an individual providing service in a land in P.R. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called on XX/XX/2020 to try get information on how setup automatic payment through my bank to pay once a week. I asked them for the routing and account number so I could give to my bank called twice first person hung the phone up on and second person made it seem like he couldnt locate the information called in a professional manner. I asked for supervisor because did not feel comfortable with my XXXX with previous experiences with Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
If XXXX, XXXX and transunion continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 not mine : XXXX Inquiry added on XX/XX/2020. 

Also I've never had any account with 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 2020-11-13
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
I am filing this complaint because XXXX, XXXX XXXX, World Finance Co, and XXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I feel like I was treated unfairly because of my XXXX. I am worried the banker is trying to take advantage of me or steal money from my account. The following actions occurred at XXXX on XX/XX/21 at the XXXX XXXX branch of US Bank in XXXX XXXX OH. 

1. The banker wouldn't cash my check. He sent me to XXXX to cash my check, which cost me {$10.00}. 
2. The banker gave me confusing instructions on how to wire money to an account in XXXX. 
3. During our meeting, the banker called another person and suspiciously spoke in a foreign language. I feel he did so that I couldn't understand his conversation.

4. While talking, the banker accessed my phone from his computer without telling/letting me know. Later in the evening I got an electronic warning about activity on my account.

5. The banker made me feel stupid. He blamed me for trying to do things too quickly or not trying to cash my check earlier. 
6. I called customer service around XXXX XXXX. I got different instructions on how to wire money. I was told I would get a response on Monday ( which is a holiday. ) I am worried about the safety of my money.

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 2018-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX charged my credit card {$150.00} as a wire transfer which was not authorized. Capital one refuses to reverse these charges as a wire transfer when the purchase was a credit transaction. No signs posted or notified by XXXX that any transactions will be considered wire transfers. Now I am being charged monthly interest charges by capital one for this. Capital One offered to credit one months interest charge but I would continue to collect interest charges until the balance of my account is paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX : debt XXXX on XX/XX/2018 services stated they have submitted to all three credit bureaus to have this debt removed because it could not be validated. Two of the three have had it removed. Equifax keeps stating that they never received confirmation to remove the debt. XXXX XXXX gave me a confirmation number and date when they removed, but Equifax won't budge. I informed them I am filing a complaint.

Company response to consumer: Closed with non-monetary relief