BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: OH
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 had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX****, XXXX XXXX  # XXXX**** XXXX 'XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, 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 explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I tried to download all three of my credit reports through the XXXX website. According to my records, the last time I had done so was XX/XX/XXXX. I was motivated to do so partly because it had been so long since I had last looked at my reports but more because a friend of mine was complaining about the unevenness of his recent experiences unfreezing his accounts. 

Indeed, while I had no difficulty accomplishing the online process of obtaining my reports from XXXX   and XXXX I ran into difficulties only with the series of identity questions posed by Equifax. This agency seems to expect a formidable amount of esoteric knowledge of one 's personal credit/financial background in order to pass the test to obtain the online report that the government requires it to provide to consumers. 

I am, of course, aware of the difficulties Equifax encountered in XXXX because it did not have adequate data security systems in place. However, it does not seem appropriate to me that the proper response to those problems should be to place greater obstacles in the way of consumer 's obtaining the " services '' that Equifax was supposedly created to provide. If they are not capable of performing these services with the same ease for consumers that their competitors do, perhaps it is time for them to retire from the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I opened escrow on a property with One West Bank 's home mortgage division, this is after multiple calls with the lender to get timelines and list of documents. On the same day, I sent ALL of the documents on the list of required documents to XXXX XXXX, the loan officer, no missing files. On XX/XX/2019, I called XXXX and she informed me that I need to sign some documents online. I immediately went online to sign and notice there was a mistake on one of the forms and told her to get it corrected and send back to me. It wasn't until XX/XX/2019, 10 days later, I called her to followup since I haven't heard anything, she told me that NOTHING has been done on their end and when I logged into their online portal, the wrong form was still in there. I asked her to get the processor to change the form. Effectively, she did NOT followup as she should have, and did not move the process along. 4 days later on XX/XX/2019, the day that I was suppose to sign off my loan contingencies, I received an email from XXXX telling me that the underwriter needed more documents and that the INITIAL review hasn't even been completed yet, and the purchase agreement clearly spelled out sign off of loan contingencies on XX/XX/2019, and that we were closing escrow on XX/XX/2019. On XX/XX/XXXX, initial hasn't even occurred yet. At this point we have wasted 3 weeks of time and nothing was moving along, AND she did not communicate or inform me or did ANYTHING to push things along. I then called her manager XXXX, who promised me that he would make some calls and move things along. Then I was emailed by another processor, XXXX who then 3 days later send me another LONG list of documents required by the underwriter. Both XXXX and XXXX seems very incompetent, and neither could explain to me what the underwriter wanted. They each gave me a complete different answer regarding a particular document that was needed. Their lack of understanding and knowledge of the underwriting process was absolutely ridiculous and unprofessional. After I had provided all the document requirement only to find out a day later when i proactively called the processor that she still needed 2 pieces of documents from the escrow and that she wasn't proactively obtaining, and refuse to submit the documents from underwriter until all of the documents are done. XXXX and XXXX, the processor are both non-communicative and I have to call them constantly just to get information, as they continue to hender process and extend my closing date. Their competence is costing me $ XXXX of earnest deposit that I owe to the seller and escrow, and this is unacceptable. I have over 100 emails and call logs regarding this process, not able to upload all of them. Thank you for your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Information is missing that should be on the report

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXXXXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Sarma
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:
On XX/XX/2019 a company that goes by the name Sarma, location XXXX XXXX XXXX XXXX XXXX, TX XXXX had illegally pulled my credit report for a mortgage broker that never obtained my consent to pull my report. I did not give permission orally, or written to pull my credit report. They did so on their own. I have tried on 2 different occasions to contact Sarma @ XXXX on XX/XX/2019 @ XXXX and left a message to have a call back, spend 12mins on the phone waiting for a representative. Made another attempt to contact them on XX/XX/2019 @ XXXX @ XXXX and spend 14 mins on hold before the automated system hung up on me. Called XXXX on XX/XX/2019 @ XXXX XXXX to dispute the inquiry. Was told by XXXX representative that they could not remove the inquiry and that I had to have it removed by the company that requested it. Problem is I can't get ahold of the company that requested it as they don't answer their phone or call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received sudden emails from Citi bank credit card department that they have lowered my credit limit due to the followings : -Your payments were low on one or more of your accounts with us. 
-Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-One or more of your accounts shows a late payment or bad check with us. 

Even though I knew that none of the above are correct, still I reviewed my credit reporting and ensured that, - I have always paid my payment in full, if not more. 
-Based on the XXXX  , which is the credit bureau that Citi based their decision on, is only stating that I have used XXXX  % of my credit. 
-All of my credit payments were made on time, except one that I only paid couple of days late, which was not delinquent i.e. 30 days late. For which, I thought bank might have a grace period, which they didn't and paid the late payment fee. 

I talked the citi bank credit department rep, and she stated that she doesn't see any late payment in the sense that I paid 30 days late, and even she was surprised as why this happed. She submitted a credit limit reinstatement, but the credit department / underwriting didn't bother to review it and reinstate my credit limit and stated that they cant change their decision. 

Citi bank 's decision can impact my credit negatively and it could ruin my credit with other company. I have been working hard to keep my credit in a good shape and have never had any late payments, or credit limit drop in my life, except this one that is entirely unjust, unfair and completely discriminatory as I couldn't find any actual reason for their action.

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 2023-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute inaccuracies on my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681, I have the right to dispute any inaccurate information on my credit report and have it corrected or removed. 
Specifically, I have identified the following errors on my credit report : Portfolio Recov Assoc XXXX I request that you investigate these inaccuracies and correct them promptly. As per the FCRA, you have 30 days to complete your investigation and provide me with a written report of the results. 
In addition, I request that you provide me with a free copy of my corrected credit report, and that you notify any creditors or third parties who have received my credit report within the past six months of the corrections.

Please be advised that failure to correct these inaccuracies may result in legal action under the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Didn't receive enough information to verify debt. 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: PA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have paid off XXXX XXXX XXXX  and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.

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 2020-05-30
Company: The Outsource Group, Inc
State: NE
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:
A collection account was removed from my credit report from Medicredit. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a checking and savings account on XX/XX/23. I made a {$50.00} cash deposit in my checking and a {$50.00} cash deposit in my savings. On XX/XX/23 I received 2 checks for some work I did. I deposited a check for XXXX in my checking and one for XXXX in my savings. I also deposited cash in the amount of {$360.00} in to my checking. I didnt withdrawal any portion of the check in either account. Next morning I deposited {$780.00} into my checking account. Around XXXX on XX/XX/23 I get a phone call from Wells Fargo fraud department XXXX They say we are closing your account from your recent deposits. How is it that my accounts are being closed when I was responsible enough to wait for the check to clear.

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 2020-07-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A called the mortgage servicer, PHH Morgtage Services, to request a 180 day forbearance on my federally backed XXXX XXXX XXXX ) due to financial hardship directly related to the Covid-19 pandemic. I explained that my work hours had been dramatically reduced due to circumstances related to Covid-19. I explained that I was requesting this relief under the CARES act.

PHH is unwilling to offer a 180 initial forbearance as requested. They are willing to offer only a three payment forbearance, effectively 90 days. They state that after 90 days they will " review my situation '' and may be able to offer an extension. 

I believe PHH is acting in bad faith, and intends to impose needless inconvenience in order to dissuade me from enjoying the relief I am entitled to under the CARES act during this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Looking at my credit report with Experian I saw that XXXX credit card services is reporting my credit has significantly went up by % XXXX with my usages. I rarely use this card and that's false information. This was reported by them on XX/XX/2021. My balance has been XXXX so how can this be legit. I've got screenshots of this

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 2023-05-12
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXXs database was compromised and I had {$83.00} dollars stolen from my account by a XXXX XXXX $ XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXXXXXXXXXX XXXX customer service has yet to respond to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hi Ive been banking with chase business since XX/XX/XXXX. Recently they closed my account due to checks bouncing. Currently they have XXXX on hold to confirm XXXX checks. Ive provided the bank with personal and business phone numbers but they keep saying the numbers cant be verified. Some of the checks are issued from chase bank customers and they cant get verified. The money has already been taken out from the vendors account. Chase has a hold on funds to verify but any number I provide business or personal wont verify. I even bought a chase client into the the branch to get checks verified that he wrote & they didnt allow that. There are not giving any other alternatives on how to get checks verified beside a phone number. Ive provided business phone numbers and personal numbers. This issue has been for about 60 days now. I can provide documents for all XXXX checks that have been cashed by the makers bank but chase is holding the funds. The makers cant even do a recall on the check. Every day I call I get the same answer. It is frustrating that they only way one way to verify checks and they cant verify they own clients. Multiple checks that are on hold are from chase bank clients itself. If I cant get a chase check verified what does that mean for my other checks from other financial institutions?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase for the removal of the collection account from credit report. My credit report should have increased by at least 23 points for the removal of the collection account from my credit report.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Self Financial Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Self lender is a account where you pay yourself and at the end of the loan you get the money back I paid twice on a loan and never got the money back they owe me {$1000.00} they claim {$750.00} but have sent nothing!!! they keep saying they sent a check and they don't send it ever it does not take over a month for a check to get here they are liars I look on the reviews and other people are saying the same thing it's a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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