BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: American Financial Network Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 a check of {$17000.00} was sent to the lawyer of a person we are trying to buy a house as agreed. 
While waiting for the loan to be process, my cosigner back off the buying of the house after she released the price was higher done we were told that exceeded our budget. I informed both my lawyer, the loan processor and the relator, they all understood my explanation and the processor agreed to send me a denial letter. Its be almost 2 months none of this them has return my call or txt. 
I received a txt message from my lawyer with a letter from the sellers lawyer informing me I have forfeited my {$17000.00}. 

I called the lawyer he did not pick up my call, the realtor told me there is nothing he can do. I call and txt the loan processor, he also didn't respond to me. 
I txt my lawyer again about my option and he has still not respond to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
I rented a car from XXXXt and made the full payment. However my account was sent to collections. I believe this is fraud. As I have already paid for the services, the company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold my phone in one of the stores in Virginia, for this amount they gave me a check that I made a deposit online to a Ally checking account. After I made a deposit, the next day, Ally blocked my online access to my account. 
After 6 business days, they still verifying the check. 
I found out all the information when I called them. 
But I received an email notification that they will verify this check for a maximum of 5 business days. 
But no, still wait. 
Im almost without money already, but I know that they dont care.

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 2016-10-07
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in XXXX 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license XXXX/XXXX/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today XXXX/XXXX/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have not heard from him. ' I told him that it should be his responsibility to contact me and to tell me where my loan status is at. I felt as if I was mistreated, misleaded with my application and loan status maybe because my credit was n't the best and he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has XXXX credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. 

Company : Amerisave Mortgage

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 2020-03-13
Company: EQUIFAX, INC.
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:
I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC sued me and secured a default judgment using a process server that lied in an affidavit of service. The process server was punished by XXXX Department of Consumer Affairs. Midland never provided me proof that they owned the debt prior to suing me. I was never notified of the assignment of my XXXX account to Midland prior to the lawsuit being commenced. Midland continues to garnish my wages even though they know that I am the victim of sewer service and that I dispute the debt. I complained about this to CFPB ( CFPB case # XXXX ) but my complaint was against XXXX ( the original creditor ) since I thought the debt was one covered under the consent order between XXXX and the CFPB. XXXX notified me that this account was not covered under the Consent order and informed me that Midland would be in touch with me to address my complaint. I have not heard anything from Midland as XXXX had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to me.

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 2022-03-23
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX  card account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, XXXX, EquifaxXXXX XXXX XXXX credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, XXXX, Equifax, XXXX XXXX  credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase bank issued a loan modification to my former husband. Our legal separation document declares that the property is now his and he has to either refinance in his own name or sell the property. Instead he declared bankruptcy ( chap XXXX ) and as part of the plan modified the mortgage without my signature or consent. Before that the mortgage had nearly been in foreclosure. This was in the Fall of 2012. My ex husband has been paying the reduced mortgage payment since. The account is up to date. 
Chase will not update the information for credit reporting purposes saying that it because there is a bankruptcy in process. IT IS NOT MY BANKRUPTCY. My credit score is very low because of this and the near foreclosure. My interest rates are high and I can not get a mortgage of my own and I have to rent. Chase will not remove my name from this account even though it is no longer the mortgage that I initially agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have chime bank. My card was fraudulent, I sent bank over the documents to show I was never in that area, card was with me.I never shared my account information with anyone I was in a store shopping which miles away from where card was used and bank still denied my claim. This issue has caused me a financial crisis and I want my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have attached an FTC report with an account and inquiries I did not authorize

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 2019-10-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for two store credit cards with Comenity Bank, XXXX, XXXX and XXXX and XXXX. I also have a XXXX account with them that was paid on time and even paid off early. I went to use one of the cards right after receiving and was told the account was closed due to the bank deciding I was a high risk. This then happened again today with the other new card. What they did though was report both accounts as newly opened accounts to all bureaus then closed them right away and this action dropped my credit scores by almost 20 points. I have been working for years after a bad marriage and an ex who ran up all my bills to get my credit back on track and finally had scores over 700 until this happened. I was told on the phone that the cards were pre approved and the bank had the right to take that back. I have been in the finance industry for over 30 years now and a pre approval should not be something reported on credit reports. They should not be allowed to report until a FINAL decision is made. I feel this is a horrible business practice and I am not the only one. XXXX this company and there are hundreds of people if not thousands who have been adversely affected by this poor loophole.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today is XXXX XXXX, XXXX. This property foreclosed in XXXX XXXX but the bank has not sold the unit and is not paying dues to the XXXX XXXX {$580.00} due ) or XXXX XXXX XXXX {$2300.00} due ). They also damaged Association property during the transition to take possession of the property. The estimated cost of damage is {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: The CBE Group, 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:
Numerous account inquiries and account review inquiries that I dont recognize and didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: ROBINHOOD MARKETS INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In attempting to close out XXXX trading platform accounts and unable to close out XXXX ) XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX Account, and still unable to via customer service standard operating procedure. At least, what I would consider standard operating procedure. The account values are not of any great amount. I could just say 'at least you'll never go broke with them owing you XXXX Federal Reserve System XXXX '. But I have a certain standard that I must live up to, since I am also a XXXX XXXX XXXX veteran, who resides in the XXXX XXXX XXXX sphere. That accountability stretches to all financial matters, so that the Homelessness task force, all government organizations have a full accounting of my financial picture. Granted all I have is the Name, address, and other biometric data. for each of the XXXX accounts and no relevant data such as account numbers, as though I invested in a ponzi scam or some other nefarious activity. I need for the accounts, to be XXXX ) closed as of today if at all possible, XXXX ) a statement that tells the government organizations that the accounts are closed, XXXX ) the Statement to be sent to Honorable XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. XXXX ) that my biometric data such as the social security number be removed from their files. XXXX ) that anything that remains after account fees, be sent to the address on file in a money order and or cashiers check to : Rev. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX underpaid my bill to XXXX XXXX XXXX on XXXX. I advised their billing department at XXXX XXXX that my XXXX should cover most of this and to please re-submit to my insurance company. XXXX XXXX did NOT re-submit and they sent me to collections using Hollis Cobb XXXX at XXXX. The collections company has been calling me for several months ( some calls were very rude - especially at the beginning where I was talked over and yelled at ). I kept telling them that the XXXX was going to take care of this, but the collections company never stopped calling. I have received up to 6 calls a day from them to try and collect this debt, which has interfered with my job and caused me to waste minutes on my cellular plan. I spoke with XXXX XXXX today, who is supposedly a manager at Hollis Cobb XXXX, and she even confirmed the notes were in there about the XXXX issues. I provided XXXX with the confirmation number from XXXX for the additional payment to the XXXX XXXX, and advised them I am working with a manager at XXXX XXXX to resolve the remaining {$51.00} ( which is what XXXX at XXXX told me is the only amount I should pay ). I also advised them that I would have my attorney contact them if they kept harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: MN
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX

Company response to consumer: Closed with explanation