BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: CO
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 XXXX I sent XXXX XXXX XXXX XXXX and Experian each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.

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 2017-06-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I ca n't access my personal financial data via third-party apps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice that is not mine since I have never had a XXXX XXXX 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 2022-09-08
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-06-20
Company: NEW YORK COMMUNITY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I previously had an auto loan through XXXX XXXX opened in XXXX. In XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX XXXX of XXXX, GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX. The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.

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: AMERICAN EXPRESS COMPANY
State: NY
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 various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXX-Charge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: WI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have found several bad/unknown addresses on my credit report that do not belong to me. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address from my file they are not correct : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX My name is XXXX XXXX XXXX. 

Please delete the following names : 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 non-monetary relief
Consumer complaint received 2019-08-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. 
The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. 
They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. 
However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. 
I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. 
Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Receivables Performance Management, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have an account in collection in my credit report from RECEIVABLES PERFORMANCE. The original creditor is XXXX, I have never had any service from XXXX and every time I go to the store they say that I dont have service with them and that they cant help me. I want XXXX to validate what kind of service I had with them and the start and end date of the service. I wont be responsible of a debt that isnt mine. Please, I need help with this situation because isnt fair. The company never contacted me, I found out when I checked my credit report from XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Back in XXXX of 2021 I contacted Wells Fargo my bank to make a report of money being taken from myself that should not have been taken. I am the victim of a rent scam. I paid out just under {$3000.00}. I have been fighting the denials in this case for almost a year now. I specifically used XXXX through my banking app so that if anything was to ever happen I had the paper trail to back up anything I have done money wise. I am being declined on many occasions of fighting this. At this time I have provided police reports and all information they have needed to prove I was lied to, robbed, deceived, and taken advantage of. I am completely unhappy with how this bank as taken this situation. They do not back up there customers. They should not be allowed to partner with third parties if they are not going to protect their clients.

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 2017-06-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 act Us Dept of Ed/XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2022-03-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went through a pre-approval for a loan with wells fargo for a home that is being built and i was advised by the builder they were a preferred lender which is only reason i used them to begin with. The representative went through our pre-approval and everything was perfectly fine and as we moved through the process we got to a point where she was telling us about a rate lock which we advised her we were not interested in doing because the rates she provided seemed higher than the current rates being offered by the bank at the time. She seemed upset about the fact that we were not interested in the rate lock and a few days later contacted us to let us know that our loan was denied and she couldn't do anything to help us and she would advise our builder accordingly. My husband who has experience with mortgages advised me that this was not standard procedures as she did not provide any explanation for the denial or even come back with any conditions of approval from the underwriters which is normal procedure especially for loan that isn't due to close for at least another 4 months when the build is complete. My husband spoke to her and after asking several times the only information she gave was that my debt to income ratio was too high which made no sense since nothing changed in finances or credit score since pre-approval. The whole situation didn't sit right with us so my husband contacted her supervisor who was able to find some surface information to advise that our loan processor advised the underwriter that i was on XXXX  leave from my job the year before and my income went down. I was on XXXX  leave however with my job that did not affect my income as i was still paid 100 % of my normal income. They did not even ask for any additional information or offer us the option to put any additional money down or even add a coborrower to the loan. Instead she assumed that we had no such options and went as far as to tell us we were buying more house than we needed to buy. She discriminated and used my XXXX  to try to get my loan disqualified because i was not willing to pay for a rate lock on a loan she added points to. No options were provided and no attempt made to assist us to get approval even when based on her pre-approval we previously almost {$60000.00} in deposits which we stand to lose without being qualified. Which wells fargos record of discrimitary loans some light needs to shed on this and process put in place to prevent this from happening to any other minority family. The same process of assessing conditions and fixing them and process without prejudice should be offered to every applicant and not offered at the discretion of any individual of that lender

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 2017-06-20
Company: AES/PHEAA
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 information incorrect

Complaint:
This is  my 3rd attempt at  trying to resolve this matter with FEDLOAN.    FEDLOAN re fuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great   XXXX     XXXX  and  XXXX  trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus state s : " Section 623 ( a ) ( 2 ) of the FCRA addresses the  duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. (  1 ) T hus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ' ' FEDLOANS failure to u pdate the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA S ection 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addr essed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: CO
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 XXXX I sent Equifax XXXX XXXX XXXX and XXXX each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.

Company response to consumer: Closed with explanation