BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: KY
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 received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With XXXX there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With Equifax there are inquiries from the following which were not me : XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2900.00}

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 2023-06-24
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-06
Company: Spring Equity LLC
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
File was denied due to credit score ( when I applied that was not the case or they would have denied at application ), when in fact it was because they missed the FCRA deadline for a credit decision. So they issued a new loan package, with higher rate/fees, and 20 days after that denied the loan without specific reasons or any call from lender. We received the adverse action notice roughly 10-15 days after and said simply loan didnt meet guidelines- zero further explanation or communication, so this was on roughly day 60 from the initial application. I asked for specific reasons for denial and never received any further communication. The customer service was a lot worse than all of this, but I plan to seek legal recourse for damages.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: PA
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:
Equifax incorrectly shows a XXXX XXXX XXXX revolving credit card account as OPEN. It is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an automated phone call from loancare to return their call regarding my mortgage account. I called them back and a lady said that I posted my payment for XX/XX/XXXX which would have been a day late. So, I had her cancel the payment for XXXX XXXX and paid it on XX/XX/XXXX. Before getting off the phone with the lady I made her double check to make sure the payment for the XXXX was cancelled and she assured me that it was. Yesterday, XX/XX/XXXX my husband stopped to get gas on his way home from work and his debit card was declined. He checked his account and it was over {$1000.00} overdrawn. Loancare had processed the payment for the XXXX. I then called them again on the XXXX and they said I had to submit proof that it was taken out of our account. So I emailed them our bank statement right then. Then I called again this morning. XX/XX/XXXX. I spoke with a manager. He told me that they had to file a reverse payment request and that it could take up to 5 days to process. So now my husband 's bank account is over ONE THOUSAND DOLLARES overdrawn plus an overdraft fee. Now he  can not get gas for work and we cant pay our other bills or buy groceries. I checked on the XXXX and they are not accredited and have so many complaints. Something needs to be done about this mortgage company especoally since they are handling cha mortgages etc.

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 2017-08-22
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I submitted a complaint on PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND , INC . The complaint stressed out that the collection agency was using " scare tactics '' to try and collect the debt. I called the agency multiple times to try and resolve the matter and let me set up payment to try and get the account current. I was able to start making payment from that date and on XX/XX/XXXX i had a flat tire that put my account overdrawn and did not allow me to make a payment. I called the company on XX/XX/XXXX to try and arrange a payment on the phone but the collector advised me that they would only take the balance on the account. I told them about the situation and said i only had 2 hours to make the payment in full. I want to continue making the payments i have been making so my account can stay current.

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 2023-08-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate Experian 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of 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 2021-02-08
Company: Exeter Finance Corp.
State: TX
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:
Exeter Finance last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating exeter was at fault - now i go into XXXX XXXX XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
With regards to the complaint, ID # XXXX. The company responded by apologizing for the inconvenience and provided information for me to collect the refund in XXXX XXXX at any Western Union location.

Having received this email I responded to the company that I was no longer in XXXX XXXX and that I am now in XXXX and requested that they send the money there. I subsequently received an email with new information that will enable me to collect my refund in XXXX. On XX/XX/2021, I went to a Western Union location in XXXX to collect this refund. Having completed giving the relevant details to the representative, she then told me that she is unable to issue the money to me as she is seeing " Transaction is under Review '', I then sent an email to the Executive Resolution Department, with whom I have been communicating since the intervention of CFPB. Also, since the email came from that department as to how to collect my refund in XXXX. 

On XX/XX/2021, I receive another email stating that the money I can only collect the money in XXXX XXXX. How do I get my money, when I am no longer in XXXX XXXX??? 

I am a single mother and I need my money to look about my children back to school expenses and Western Union is giving me a warm time getting back my money!!! 

I was a XXXX  in XXXX XXXX  where my tenure has ended and now I move back to my country, XXXX, in XX/XX/2021. I NEED MY MONEY WESTERN UNION!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Supreme Lending
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 counselor XXXX XXXX XXXX Housing Counseling Agency XXXX provided documents for loan modification as of XX/XX/2019 neither Wells Fargo Bank has approved or denied. Wells Fargo Bank so far has not requested any additional documents. Around XX/XX/XXXX we had phone conversation with the manager named XXXX XXXX form HUD counselors office. He was supposed to get back with HUD counselor but has not done that so far. I received two docs stating account is past due and need to pay before other proceedings take place. I called W.F.B staff personnel on XX/XX/19 XXXX id # XXXX hang up phone on me. Attorney of records XXXX XXXX XXXX and all and entire information has come from him. But W.F.B is also violation litigation right by communicating with and than they have attorney on records. If W.F.B needs not to communicate with attorney they should notify in writing no attorney is representing. Other wise its harassment and contempt of court and I will cease providing documents to attorney of records and inform this to court. XX/XX/2019 date of filing

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 2023-06-24
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}

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 2023-04-13
Company: CITIBANK, N.A.
State: CA
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 XXXX I was scammed for a product that I never received. A charge of {$540.00} was billed to my Citi credit card. I kept a detailed report of everything that happened and all the receipts. After contacting Citi to file a dispute, I had conversations with the merchant, Citi Bank, and Citi representations between XXXX and XXXX. I also have evidence that I went back to the merchant to sort it out between us and the merchant lied on their dispute report saying I was happy with the product that I never received. Between now and then, Citi has given me conditional credit for the dispute and reversed the conditional credit twice. This is even despite the fact that I gave a very detailed report with proof that I did not even get the product. After a lengthy email that provided my report and proof was sent on XXXX  I received a notice from Citi Bank on XXXX stating, " Our goal is to provide you with the highest standard of service. We are working with the merchant or merchant 's bank to obtain permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have re-issued a conditional credit to your account for this dispute. '' Unfortunately, on XXXX I received a letter from Citi Bank that backtracked their decision, placing the responsibility of the payment back on me for a product I never received. In their letter, Citi Bank shares with me that, " The merchant will not honor our request for credit based on the information you provided us. Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I am now supposed to pay this hefty charge amount for a product that I never received since the merchant refuses to compensate Citi Bank. I believe this is unfair and unacceptable as my dispute was heavily supported in my favor according to the representatives I have spoken to.

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 2017-08-22
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.

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