BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have provided all of the documents and regardless I am still denied access to my account. I have provided the drivers license I was given by the state of Illinois. You are denying me again. Request for more documents. I dont have the debit card from my account that was closed and I was denied access to since XX/XX/XXXX. I am homeless now and I am without any explanation to where the XXXX {$50000.00} of my money went. I am locked out of my account and have been since I inquired about it back in XXXX of XXXX. I want to know where my money went. I am fed up of asking. Chime is nothing but a scam. I reported to chime fraud department nothing. Reported to XXXX  and nothing came from that other than Chime wanted to fix issue directly without XXXX  involvement. I resent all identification documents to be still months later nowhere as before. Chime is a scam and no customer service for their customers. They just simply cut you off and ignore the situation when questioned. I want my {$50000.00} Chime. I am homeless now because of you. If I would have had my funds available I would have been able to remain off the street and have a home. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2023-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Covington Credit has closed my account and reported as a Charge off for {$420.00}. I was late on payments with this company however I resumed payments in XX/XX/2022 and only had {$150.00} left to pay off the loan. After reaching out to the company to arrange a Pay-for-delete, they have reported the account as a charge off for {$420.00} ( incorrect balance ) and have not reported the last 3 payments I've made to the company. I have bank statements to prove my payment history. The information is incorrect. Also, the company sold the debt in XX/XX/2022 before I made 3 payments to turn by phone and they did not alert me that they were charging off the account when I called to make those 3 payments. The payments are not reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023, I tried to apply for XXXX XXXX and they denied me due to a freeze on my TransUnion account ( please see document ). I logged into my account on TransUnion and there was no freeze reported on TransUnion 's website. On XX/XX/2023, I tried to apply to XXXX credit but my application was denied due to XXXX citing that there was a credit freeze on my TransUnion account ( see image ). After investigating to clarify the issue, I chatted with an online customer service representative from TransUnion who assured me there was not a freeze on my account ( see images ). I then chatted with a XXXX customer service representative and they reiterated that my application was not processed to due the TransUnion freeze. TransUnion is being incredibly unhelpful and isn't investigating into the issue further or escalating the issue. I asked the customer service rep to escalate the issue for me and they said they wouldn't ( see images ). Because of this " freeze '' I'm not able to apply for credit or loans as long as this freeze is in place, and I have now been denied application to XXXX loaners because of this " freeze. ''

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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 inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2023-10-04
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I paid in late XXXX or early XX/XX/2023 for a home appraisal that wasnt completed until XX/XX/2023. I filed a complaint with Wells Fargo for miscommunication and delays with my refinance and demanded the loan to be canceled. Wells Fargo reached out to me on XX/XX/2023 to inform they were conducting an investigation and told me my loan was still active. 
On XX/XX/2023, the electronic documentation exchange on my Wells Fargo account site was deleted. On XX/XX/2023, I received paper mail from Wells Fargo declaring my loan was denied. Today, the representative from Wells Fargo called to tell me that my loan team didnt anticipate issues with my loan and refuse to refund my appraisal fee. Since I paid for it, I want the appraisal mailed to me. I didnt anticipate it being deleted and unobtainable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Seterus , Inc., was a division of the XXXX XXXX lender who purchased my home loan and began a series of illegal attempts to change the terms of my morrtgage, the date the mortgage was initiated was off by 7 years, the length of the mortgage was increased from 30 to 48 years, and continual unsuccessful attempts to modify or forclose on my mortgage. The company was shut down for its business practices, but not before it had damaged my credit with false legal fees, additional money taken from my checking account for " homeowner insurance '' when I always was covered, false reporting of late payments when they had auto-pay, additional fees for XXXX` drive by '' visual inspections to make sure my property was inhabited, and continual phone abuse reminding me of upcoming payments when they had an auto-pay account with me. When their company was shut down, they were ordered to remove any reference to them on my credit reports. They did not. My loan was subsequently transferred to another mortgage company where it was paid on time for the duration. This has gone on for 5 years, and needs to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2022-07-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I was told my escrow account had a shortage of {$3300.00}. Due to them paying two insurance bills. Which I paid back one of them, that was the {$3300.00}. I was told repeatedly that my monthly mortgage would not go up. XXXX my payment was normal but for XXXX it is up over {$100.00} again. I called back multiple times on XXXX and was told many different numbers. First {$370.00}, then {$670.00}. Finally after many calls to supervisors I got a woman who was very kind and explained it was actually going to be another {$1400.00}. I repeatedly asked if the shortage was for taxes or insurance and the supervisors couldnt tell me that my taxes also went up. I had to find that on my portal statements. Now they are saying that it is because of the required reserves of {$1000.00} plus what is projected to be negative. When I pulled up my online account statements I do not even have XXXX. I have 2 for XXXX and one for XXXX. Also the bottom of my statements where it shows what I need is not showing {$1400.00}, it is showing {$670.00}. There is absolutely zero way for me to prove that I am not overpaying or that my reserves were even depleted or where it went. The woman also told me there is no way of preventing this again. I am not assured that I will not be over charged another almost {$5000.00} in the future. When I asked where the shortage was coming from the first 4 people couldnt tell me? It is abundantly clear this company is not competent in escrow nor money management. At this time I have paid a shortage of {$3300.00} in XXXX and yet another {$1400.00} today XXXX. How did my escrow account get so upside down, and who will be held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Cascade CISS Holdings, LLC
State: TX
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXX XXXX XACTUS-XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already reported it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ChexSystems is reporting incorrect and/or inaccurate information about me and my banking information. The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ChexSystems is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by ChexSystems inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete and 100 % correct must be removed.

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