BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: TN
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX  3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from CAP ONE NA  that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXX XXXX XXXX  that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXX XXXX XXXX that XXXX authorized by me. 

On XXXX another inquiry report was pulled by XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from CAP ONE NA that was not authorized by me. 

On XXXX there was an inquiry reported from CAP ONE NA that wasnt authorized by me. 

On XXXX there was an inquiry reported from CAPITAL ONE AUTO FIN that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One continues to have ( 3 ) Fraudulent Inquiries on my XXXX XXXX XXXX. I have been experiencing Identity Theft. I have filed the correct paperwork to have these fraudulent inquiries removed. Capital One is in violation of FCRA policy as I have requested the complete file in each transaction mailed to me. I have yet to receive these files after several months of waiting. I should have received within 30 days of request. 

Fraudulent inquiries as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: SYNCHRONY FINANCIAL
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:
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my amazon account. My account is reporting unknown payment status for  XXXX     2017. I 've  been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you

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 2016-06-09
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Payments are current. Have not received escrow or account information since XXXX, XXXX. Today is XXXX XXXX, XXXX. My payments have also been fraudulently inflated for the same period. Mortgage account transferred from XXXX to NationStar property services in Texas. NationStar continues to cash my checks without sending me any accounting of my payments. I have reached out to XXXX XXXX, Investor ; but still have no results. I have a federal HARP loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan serviced by Nationstar Mortgage # XXXX. My XX/XX/XXXX Principal payment they totally screwed up. I submitted a handwritten and signed instructions to apply to principal only. They disregarded and applied to the XX/XX/XXXX payment of interest. I obtained a payoff from Nationastar and sent good funds in the form of a cashiers check drawn on XXXX XXXX XXXX in XX/XX/XXXX and mailed it to their payoff address on the demand with extra days interest. On XXXX XXXX, Nationstar cashed my cashier check. They started contacting me about being delinquent on my loan. After talking to them I provided from my credit union a copy of the endorsed and cashed check ... .endorsed by Nationstar Mortgage. They submitted the dispute and on XXXX XXXX they send a letter XXXX saying theyXXXX made no error and that they were unable to locate my XXXX last check. I called on XX/XX/XXXX and talked to one of their service people who said he could clearly see they endorsed the check and cashed it. I am getting calls from Nationstar daily for being delinquent on the account. Obviously now that it is almost two months later and still unresolved from when they cashed my check they will erroneously report my credit profile as being 30 and now 60 days late. This is ridiculous. Within the past couple days I received a notice of a certified letter. My wife drove 30 minutes to the post office and back XXXX cities away to find a certified letter saying I am late on this account. I have had upwards of XXXX mortgage loans and this is by far the most incompetent servicing I have seen in my life. I called today and it is still not resolved. There is no process to expedite resolution which is a major flaw in their system. You should not go to the back of the resolution line and start your 7-30 day process over again. They should be able to email a manager and get it done now. Instead evidently I will continue to be harassed day and night and perhaps by mail on my so called delinquent account that I paid off just short of two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
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: Account status incorrect

Complaint:
My student loan was closed, XXXX of the XXXX agencies closed all acccounts, as advised by the department of education, but Experian had a separate, older account showing open with the full amount of the old student loan for aidvantage. XXXX and Dept of education have my loans closed out. 

I submitted dispute, nothing changed. I called and their customer service took no action onine and said all amounts were verified. I spoke to XXXX, they even sent me an email stating the contrary. I submitted XXXX more diputes with Experian to close the aid vantage and zero the balance, they are refusing saying I still owe money according to their records. 

I sent department of education email stating my loan was closed, email that moehela had replaced aidvantage and the moehela was closed with XXXX balance and then the aidvantage email saying congrats, your loan balance is XXXX and closed. 

They obviously are committing fraud by a ) keeping an incorrect balance, b ) keeping an account open that the sponsor even claims is closed and probably trying to sell it to a third party to try to make some financial gain from this. I don't trust experian did anything for background research ; they certainly did not call aidvantage who confirmed Experian made no contact with them in their records. 

I want my record corrected or I beleive I am entitled to legal action for their fraudulent published info. If they are trying to force me to accept incorrect info, how many thousands of others do they do this too to perpetuate bad credit, bad loans, etc. They deserve to have the CA department of justice to investigate and that will be my next stop.

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 2023-12-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my identity and used it to create a joint account and obtain an auto loan on a XXXX dollar vehicle which had a XXXX interest rate. I would never do such a ridiculous thing. On XX/XX/XXXX  I called the company ( Predatory lender Ally Financial ) and requested that the account be closed. I also filed an FTC report and disputes with all 3 credit bureaus. I was questioned and made to feel as if I was a suspect. Ally Financials ' fraud department then told me after a line of questioning that an investigator would reach out. The investigator XXXX XXXX called me the next day, but I missed the call. I tried to return the call the next day and the following days but was always told she was in a meeting, or she was busy. I am very nervous to speak with her because, after my initial contact with Ally Financials ' fraud department, it was like they were there not to help but to disprove my claim and keep me on the hook for this fraudulent account that has wrecked my life.

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
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:
Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past 60 days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX..Account # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX XXXX # : XXXX ( Original Creditor : XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

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 2023-08-28
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:
I called all reporting credit bureaus Experian, XXXX, & XXXX all 3 bureaus advised to speak to the creditors and did not offer any other assistance.

Experian has a total of 16 inquires they are listed with name and date of inquiry 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

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 2023-05-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : XXXX  XXXXXXXX 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

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 2023-12-13
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Several things happened with this loan. 
First, the quote I was given by the loan agent was that my fees for the loan in total would be {$1700.00} a flat fee. I confirmed with the loan agent, XXXX and he guaranteed me that would be the fee. 
During the loan process the fee jumped up to {$3200.00}, which was double. I asked XXXX to correct the amount of fees back to what he quoted me and there was no real response other than this is what the fees are. 

Second issue was that I was profiled along the loan process. More documentation was needed for me to produce. Even on property I no longer owned and did not appear on my credit report for years, I was required to provide proof a sale that occurred several years prior to obtaining this loan. 

I was also asked to provide proof of funds in my XXXX and retirement investments. This was unnecessary and was overstepping their need to obtain more details into my finances. 

The loan was for {$150000.00} and was part of a sale for my XXXX exchange so the loan was not for the entire purchase price and what was required of me went beyond what was necessary because I was profiled, which is a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
The information I have provided therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2016-11-12
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Chime Financial Inc
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 my chime account was hacked and i called chime when i seen i was locked out of my account while on the phone with the rep i was speaking to my whole XXXX in my account was stolen and the woman looking at the screen while talking to me said i see it happening but its nothing i can do. So i filed a claim they told me it was my fault that i sent the money myself. I asked how when i was on the phone with chime while it was happening trying to figure out why i was locked out. I sent and did everything they said do to get it back but. I ended up losing my home now XXXX and lost my job and never got my money back or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
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:
I noticed an inquiry that I do not recognize and believe to be fraudulent. 

See below : XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Elevate Recoveries, LLC
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation