BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I try to use the " Need Help Signing In? '' feature on the Equifax website, I get an error message that says " We are temporarily unable to complete this request. '' I have tried several times now to get access to my account, but this continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a mortgage with Fifth Third Bank and was denied three times starting in XX/XX/XXXX and ending in XX/XX/XXXX. After each denial, we had to convince the bank to continue to process our loan. After speaking with other employees at different Fifth Third branches it became clear that there was something else at play here. One employee explained the criteria for an XXXX XXXX XXXX, or XXXX, and we fit the criteria. That's when we decided to file a complaint. Upon receiving the third denial in XX/XX/XXXX, we informed the bank we would be filing a complaint and shortly thereafter, the bank made an " exception '' regarding the loan. The Michigan XXXX XXXX Department and the Office of the Comptroller of Currency contacted Fifth Third Bank and a response was received which is attached. We have composed a response to Fifth Third. We believe that Fifth Third Bank violated the Elliott-Larsen Civil Rights Act No 453, Public Act of 1976, as amended and Title VIII, US Fair Housing Civil Rights Act of 1968 as amended. We believe Fifth Third Bank discriminated by redlining or because of our race or both. In Fifth Third 's response, they feign incompetence rather than admit they violated the Elliott-Larsen Act and the Fair Housing Act. In our response, we assert Fifth Third would not expend such resources by blindly taking an application from customers that they may not be able to lend to because they have no products available. Fifth Third 's response was a flimsy excuse for discrimination. ( Fifth Third did not provide any exhibits with their response to us )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX 's employment screening department requesting additional information as to the status of a mortgage loan. The mortgage company name was not familiar but the origination year and digits affiliated with the loan number were familiar. I informed them that I purchased the property in XXXX, lived in it until I was relocated out of state the following year, it has been an investment property since then, and that the loan was in good standing. 

The following day XXXX asked if the loan was part of an identity theft claim. I told them I was not aware of a claim against the loan. I also shared that fraud protection was added to my credit account due to your typical hacking or credit/debit card numbers being exposed etc. 

They asked me to send them a copy of my ID to confirm my identity. At that point I shared the ID and asked what the issue was because this was the last step before starting my job. I received the offer letter, accepted the offer, submitted all required information and was simply waiting to move forward as usual. Their next email stated that they had an affidavit with my signature claiming identity theft against the mortgage loan. 

I then asked them to tell me the date or produce the document in question so I could look into the matter. The following day my recruiter was told I was ineligible for the role after I accepted the role. 

The document they shared is dated XX/XX/XXXX. 

Back in XXXX, my realtor referred to a credit repair professional that sent me to XXXX to open an account that would kickstart a credit repair process to remove a few negative items or dispute any fraudulent or inaccurate reporting. I made a partial payment of roughly {$1000.00} upfront with the remainder to be paid during the process. 

After receiving the affidavit from XXXX I contacted the realtor about this issue. He provided the name of the individual he referred me to and I contacted them. I was told that an affidavit they would send would not include my signature. 

At that point I forwarded the affidavit to the credit repair professional to produce what XXXX  shared with me. The affidavit did not appear to dispute a negative item here or there. It claimed every account listed, including my existing mortgage, was a product of identity theft. 

I have attempted to contact the individual since then to get to the bottom of what took place and I have yet to hear back from them with an explanation. 

Until I get to the bottom of this matter it is important for me to submit an official complaint in order to clear my name and address a matter I was unaware of until a few days ago.

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 2022-08-02
Company: Celsius US Holding LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've been a customer of XXXX XXXX since XXXX. I had deposited about XXXX ETH on their platform under their EARN program which promised a certain number of percentage yield depending on the amount and the coin. I also had some Bitcoin, Litecoin, and LINK coins on their platform as well. 

XXXX offered us loans using our cryptocurrency as collateral at low interest rates. On XX/XX/XXXX, I took a loan against my collateral of roughly XXXX ETH. On XX/XX/XXXX, due the a margin call, I decided to close out my loan and emailed XXXX requesting to close out my loan via USD payment. On XX/XX/XXXX, they responded by sending me instructions on how to send the wire of {$15000.00}. In the meantime, while the process of repayment was expected to take up to 5 days, I put up another XXXX ETH collateral to avoid the loan going into default as instructed by XXXX. Later that day, XXXX announced they were pausing withdrawals. As you already know, they would go on to file bankruptcy. 

I had every intention of paying the {$15000.00} off and even had submitted the wire through XXXX. I have confirmation that I sent to XXXX. THANK XXXX that it was late at night and it hadn't gone through yet so i was able to cancel it. Unfortunately, XXXX still took XXXX additional of ETH and locked it up without giving me the option to repay and release the ETH back to me. I wish I had withdrawn that ETH and went into default instead. Being an honest and responsible consumer who plays by the rules cost me that money. 

I'm a middle class guy and the ETH amounted to over $ XXXX at its point. This is part of me and my family 's retirement. I feel scammed and betrayed. The advertisements and marketing of XXXX was that we could always pull our money out and it was a super safe platform. There was no indication to me at all that they were at risk of anything until it was too late. 

It was described like it was a place I could place my money and earn interest similar to a savings account at a traditional bank except with better interest rates. It wasn't absurd. It was only 4-5 % that I was earning. Unfortunately, I would later learn that they were taking customer funds and essentially gambling it away. The founder and the company constantly advertised and stated publicly that you could withdraw your funds at any time just like a bank but here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting Act, This " creditor '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX  Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX  Account # XXXX and XXXX Account # XXXX have violated my rights. 

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 an account without my written instructions

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 2022-09-29
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Mercedes Benz financial continues to retaliate against me for someone else 's actions in which they believe a vehicle I owned was used on a car Sharing application. I have provided documentation, letters with a full explanation and evidence supporting this never occurred, yet Mercedes Benz Financial has put a flag on my name so that I cant apply For credit at Mercedes Benz XXXX. They continue to discriminate me for something I had nothing to do with and quite frankly wasn't a violation in any ongoing or former contract XXXX had with me. XXXX has provided false personal information about me professionally to dealerships in order to prevent me from being able to lease or purchase a vehicle. At no point was I ever contacted by XXXX  during my XXXX  ownership to resolve or notify me of a situation. I want to be contracted by someone with authority at XXXX whom I can Attempt to resolve this issue with before I take legal action for Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-08-23
Company: LEXISNEXIS
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:
Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. 

On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. 

In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. 

On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Security Credit Services, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke to security credit services today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over 7 years old which is thru whynotleasing. 

They purchased the collection account actually from XXXX XXXX which in XX/XX/XXXX XXXX XXXX  called me and harassed me about the account stating i failed to pay XXXXXXXX XXXX and they want payment i informed XXXX XXXX that there was a payment agreement that was set up thru XXXXXXXX XXXX  to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX  refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXXXXXX XXXX  Fast forward to XXXX when i called security credit services as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. 

I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. 

I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-13
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:
I have hard inquiries on my credit report that I did not apply for.

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 2022-09-29
Company: EQUIFAX, 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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have 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 an 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. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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