BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Equifax Conf. # XXXX I got a letter with the Credit File Date of XXXX XXXX 2017 this letter indicated that the dispute was completed and the results of the Dispute indicated that all three  collection accounts resulted in being deleted from my credit report being Acct # XXXX, Acct # XXXX and Acct # XXXX However only two of the three accounts were removed from my credit file and account # XXXX still remains on my report after receiving this letter I called and the only option I was given was to file a new dispute. I believe this is a direct Violation of my rights based on the fact they all ready sent me documentation that the account was removed when in fact it still appears on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: CA
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:
I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am one of the millions affected by the Equifax " hack. '' I have filed the 90 day fraud alert, and pulled my credit reports. Do-date I have not been contacted by Equifax, rather I used their online query system to determine this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2022, I contacted Bank Of America regarding a lost cashiers check which was listed by the Georgia Department of Revenue Lost Revenue Department. I spoke for over an hour with agent XXXX XXXX and gave him my dads social and address, in order to claim the check. He informed me it would take XXXX weeks for Bank of America to send over the information to the State of Georgia. To date, the state of Georgia has not received anything. I was given the phone number for XXXX XXXX of XXXX x XXXX but when I call, I am requested in input a XXXX digit extension number. Calling Bank of America, I have been unsuccessful in getting a resolution to this matter

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 2017-09-08
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian failed to properly protect consumer information and my personal information was collected by hackers on their systems. I have zero confidence in their ability to investigate and remediate.

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 2022-07-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint vs Navy Credit Federal Union I've been dealing with this Loan Company since last year. I received a denial letter. I have the funds, the credit score and they have the audacity to say that I have lots of delinquents accounts. My credit score is XXXX and I am sure they ran my credit score more than once. I am an XXXX woman and XXXX. 

This Credit Union has the same complaints that I have from other customers, and no one is doing nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MS
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:
Equifax has indicated it believes my information was compromised in the XXXX XXXX 2017 data breach. Of course, Equifax was not intentionally trying to give my information away -- however, the circumstances surrounding how they handled the situation is frankly unethical and likely illegal. I work for the XXXX XXXX in XXXX XXXX, and when I read Equifax was saving sensitive user information in plain text I nearly burst a blood vessel. Handling sensitive user information in such a way is, at best, grossly negligent. I would probably get court martialed if I did something like that at my job. 
Secondly, Equifax executives knew about the breach for months, and not only did they not immediately inform the public, they cashed out their stock in the company. Last I checked, trading on insider information is illegal, and not informing compromised individuals as soon as possible is highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I generally pay an additional amount each month with my mortgage payment to be applied towards the principal balance. Twice, I have experienced PennyMac applying the additional monies a day later. For example, PennyMac posted my XX/XX/XXXX payment on XX/XX/XXXX. However, they then posted the additional principal on XX/XX/XXXX. 

In speaking with several friends who also have loans with PennyMac, they suggest they have encountered these same unscrupulous behaviors. Indubitably, if PennyMac is intentionally doing this to borrowers, they should stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: RUOFF MORTGAGE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have requested several times by email to XXXX XXXX and phone with XXXX XXXX that the FHA case and appraisal is cancelled for XXXX XXXX ; XXXX, MI. The lender has failed to submit the cancellation form to HUD or provide me confirmation that my request has been submitted. I have no intention on working with this RUOFF Mortgage or using any appraisal that they got as it pertains to the loan application and I just want my case / application cancelled at my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
On several occasions, I wrote Mr. XXXX XXXX, CFO of Navy Federal Bank regarding a credit card account. I simply requested verification and validation for contract transparency which included a notarized statement that there is no breach of agreement, failure of consideration or material alterations, and that the account was transferred in good faith and by the consent of all parties involved.

I have reason to believe, and I do believe that Navy federal Credit Union in in breach of the alleged credit card agreement pursuant to 15 USC section 1692 and GAAP.

Navy Federal Credit has not responded to any of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was trying to find out what a Chase Auto Loan interest rate would be, in case i would decide o buy a car. The link stated that there was no credit check and it would give me a response within minutes. Once i filled everything out, it said it would take 24 hours and it checked my credit, now showing on my credit report. I twitted at them immediately to have it removed. They said it was noted and someone would contact me. I called them the following morning and they said they couldn't do anything about it. 
The advertisement was fake. Any " permission box '' was pre-checked so I didn't eve see it. 
I want that removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  XX/XX/2021 Inquiry XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX  | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry

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 2022-07-12
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting inaccurate and incomplete credit information. I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. XXXX {$48.00}, XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX  {$1000.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from Equifax that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax 's data breach, ending in XXXX XXXX, was not announced till XXXX with no remedial action for individuals unless opted-in. Instead, I can only check if I was a victim ( I was ) by waiving my right to participate in legal action ( only later clarified not to be the case after the NY Attorney General requested clarification publicly ). Furthermore, the identity protection offered as compensation ( which was not clarified to have included waiving right to participate in class action ) lasts only one year whereas the fraud can be committed as long as the information stolen are valid. 

The massive delay between response, not to mention the Equifax CFO and other executives selling unscheduled shares, only indicates unwillingness to shoulder responsibility of data theft. Now I must place credit freeze with all credit rating agency at my own expense, freezes that I must now maintain for life as the data stolen only expires after my XXXX 

Too add insult to injury, Equifax 's security freeze can be unfrozen with a 10 digit pin - generated based on the date and year when the freeze was submitted. If I submitted a freeze on XXXX XXXX, XXXX, my pin will be XXXX. Given the rush to protect one 's credit, I am certain a four digit combination is n't enough to protect the 143 million affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
send {$200.00} by money gram, from XX/XX/XXXX and they told me that it would be available in 10 minutes after doing it. It's been 3 days and when I call them they tell me that they have to talk to whoever revives the money, then he calls and they say no, it's me who has to call. Later they tell me that my transaction is already under investigation and that it will be solved in a maximum of 24 hours. Those hours have passed and they tell me that it can take as long as it takes. that I can only wait. They said that I can't talk to a boss because there is no other number where I can put my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed for divorce in XXXX of XXXX  which created financial separation from my XXXX. In XX/XX/2021, she fraudulently docusigned my name to a lease at XXXX XXXX XXXX. I never consented to the lease, signed the lease, or visited/used the property. It is in XXXX XXXX and I live in Washington. The debt was sold to Hunter Warfield who is now trying to collect the on the debt. Their number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: CITIBANK, N.A.
State: NV
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 have a loan with XXXX XXXX XXXX and THD/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX XXXX XXXX and THD/CBNA with no successful resolution. There was definitely an error on their part.

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 2022-02-09
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.

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 2022-02-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XXXX XXXX I went to XXXX  to look at a vehicle. 
Ally accessed my credit report illegally and created a forged contract on XXXX XXXX. 
They refuse to act legally. Ally was never given permission to access my credit or create a contract with a fake signature on XXXX XXXX. Evident in the ProoXXXX provided.

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 2017-09-09
Company: Alco Collections, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.

Company response to consumer: Closed with explanation