BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Adler Wallach & Associates, Inc.
State: CA
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: WA
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 and XXXX are reporting incorrectly that I am 120 days past due on XXXX/XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: Earnest Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. However, this is exactly what this company is doing because of not being properly qualified and being unprofessional, relying on automated systems vs. dealing with each lender personally, not doing due diligence in checking for all required documentation and discriminating consumers purely due to their misunderstanding.

First they harassed me with constant marketing mailers claiming that I'm pre-approved for the loan ( XXXX credit score, extremely healthy credit, no derogatory marks at all ). They then denied my application not based on my credit worthiness, but because they discriminate me based on my origin and because they don't have professional services in place to understand my immigration documents and moreover, failed to contact me prior to decision to ask for additional supporting documents. They claimed that my green card expired, even though at the time of application I attached the official stamped extension letter ( form I-797- notice of action of the petition I-795 ) received from the USCIS , stating that my green card and immigration status are in order. I also additionally attached form I-795 ( which is previous step prior to getting extension letter- form I-797 ). My immigration status is already set, and I already even got the approval for green card extension, and their automated system was asking for some other irrelevant form I-90 ( which in only requested after you had a card for 10 years. I had mine for 2 years only, which was shown on the card submitted, and in that case form I-I-795 is requested, not form I-90 ). That made me eligible to receive any type of loan in this country. They however failed to research into this ; didn't contact me to correct it ( never e-mailed me with specifics of question, never called me ; just updated status in the system rejecting my application ) ; thus illegally basing decision on incorrect information. I would not authorize a credit inquiry had I known that the company doesn't understand requirements for the documentation. Nowhere in their marketing attempts or rules do they state anything related to required documents, number of attempts they will make and their ways of handling such cases. And their lack of professionalism caused me damage ; created inconvenience, and made me waste my time while I was waiting for response for more than 3 weeks, not even talking about damaging my credit score. Even after that, they failed to communicate with me and call me to correct their mistake. 
Incredibly bad service. I'd like consumers and financial administration to be aware of that. They don't perform a due diligence prior to making decisions on loans, they fail and thus fail consumers and government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Every time I proceed on sending a transaction to the XXXX, they cause us a double amount of fees here, and another charge in the XXXX. This is unfair?? Why is this happening??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I sent a letter on XX/XX/18 requesting Navy Federal Credit Union to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: RELIANCE FIRST CAPITAL LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - 1 call XX/XX/XXXX - 10 calls XX/XX/XXXX - 2 calls And these are just the ones I can track on my phone. There are many more from earlier dates! They just wont stop hassling me! 

I have repeatedly told these people I am not interested in refinancing my home. I have repeatedly deleted emails from them. I have blocked their number on my phone and still they keep calling and leaving voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money from my PayPal account that was rejected by my bank. 
PayPal refuses to put the money back into my PayPal account and details an extended wait time due to their internal systems. I think they are committing fraud by not placing the funds back into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was trying to activate an account with XXXX app on the app store but it says the bank is not compatible

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 2018-11-01
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This company never sent me statements. I asked for copies of monthly statements. They failed to provide them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open.. 

By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result. 

By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.

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 2018-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: BHFC Financial Services INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy XX/XX/18 and XXXX XXXX was included in the bankruptcy that was totally discharged in XX/XX/18. This company has not reported on my credit report that the loan was included on the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Navient Solutions, LLC.
State: LA
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:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect address on file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AMEX, specifically XXXX, XXXX or XXXX has been calling my work, my sister-in-law 's business looking for me. I am making payments on time. I have spoken to them and told them not to call me at work. Yet they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My wallet was stolen and someone used my identity to open fraudulent accounts in my name.

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 2019-03-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Sent {$72.00} on XX/XX/2019 for. XXXX tickets to XXXX XXXX from XXXX and did not receive. And did not receive tickets or refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: EQUIFAX, 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:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: EQUIFAX, INC.
State: IL
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:
XXXX is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX  open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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:
inaccurate information, no knowledge of accounts, FTC and HIPPA violations

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 2021-06-25
Company: EQUIFAX, INC.
State: NV
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:
There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called the bank to ask them if they sent the message and if they did not how were these people able to attach a message to my log in ... .The Agent said it was probably a scam ... My screen went red and I was notified to call XXXX to fix the problem.

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 2019-06-11
Company: Conn's, 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: Account status incorrect

Complaint:
Conns XXXX. XXXX XXXX, XXXX, Texas are continuing to report an inaccurate charge off on my credit files as XX/XX/XXXX and XX/XX/XXXX. The original and only charge off was on XX/XX/XXXX. I've asked XXXX, XXXX  and XXXX  to correct this and they have not.

Company response to consumer: Closed with non-monetary relief