BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: ENOVA INTERNATIONAL, 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:
NET CREDIT continues to report my account late as 30 days ( XXXX ) Account was pain in full in XX/XX/2020 account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, TRANSUNION and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g//XXXX XXXX, TRANSUNION and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, TRANSUNION and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, TRANSUNION and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, TRANSUNION and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, TRANSUNION and XXXX XXXX they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, TRANSUNION and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit

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 2023-11-30
Company: Fidelity Direct Mortgage, LLC
State: FL
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:
There was a promotional inquiry on XX/XX/23 I did NOT authorize. I would like this removed from my report as it is affecting my credit score and my ability to conduct proper business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home to foreclosure forced by Wells Fargo. They forced me into default over refusing house payments. Refused to allow a finance company I signed up with to escrow taxes and insurance and pay off taxes to Wells Fargo they stated they paid. They refused to modify loan saying XXXX XXXX would not allow it. That was because XXXX XXXX investigated and learned Wells Fargo had provided me with a predatory loan. XXXX XXXX forced Wells Fargo to buy back all their predatory loans sold to XXXX XXXX. Mine was one of them.I tried again for a modification knowing I had a predatory loan and could not afford a lawyer to help me get my money back or get a new loan.Wells Fargo sold my loan they had to buy back from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. The new servicer was XXXX XXXX who pushed for fast foreclosures on discount properties sold by Well Fargo. Those properties and loans were those they had to buy back due to them being predatory and fraudulent loans. The victims are the homeowners who lost their homes.. Wells Fargo collected from insurance, XXXX XXXX and homeowners. The results were, I lost our home and to date am renting at high cost. I lost my investment of XXXX. Paid to Wells Fargo for a loan that was set to take my money and home by Wells Fargo who did enrich themselves, causing me complete loss and my family and I am still suffering from the damages. I have never been compensated by Wells Fargo for causing this harm to my family and i.

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 2021-04-15
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a return to XXXX XXXX in XXXX NY. I didn't receive a refund or proof of refund from the business so I filed a dispute with Citibank. Citibank showed a refund in my account from the business and I received a receipt from the business for the refund, so I cancelled the dispute. I then learned that it wasn't actually a refund, it was a conditional credit from Citibank that was then taken back from me when I withdrew the dispute. Citibank says there is nothing they can do because once you close a dispute they can't reopen it. The business says there is nothing they can do because they issued the refund to Citibank. I have no idea what to do.

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 2023-01-06
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called this company back after receiving multiple harassing calls about this debt. I was told its going to report to mt credit i was asking for validation of the debt and did not get that. Then it was placed on my report. 

Credit collection Service Account XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: KY
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:
I've received my credit reports but since XX/XX/XXXX, my score has dropped a point or so on every other report. I spoke to Experian today, XX/XX/XXXX and in reading the report, they said that they could see no reason why the score keeps dropping and referred me to FICO. I spoke to FICO today, XX/XX/XXXX, and they asked the usual questions, whether I had closed an account, etc. and when I replied in the negative, they referred me to Experian, because they say that they only supply the data. I spoke to XXXX, to confirm that there has been no fraudulent activity on my account and they said that there has been no such activity. 

I've maintained the same bank accounts with XXXX for over 38 years ( XXXX with XXXX XXXX, the precursor ) and have paid my credit card monthly and in full on time. 

Who can explain this? I don't know who else to contact. 

Thank you for any assistance that you can provide.

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 2022-04-09
Company: EQUIFAX, INC.
State: WI
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 HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase did not honor the reward terms for its " XXXX XXXX Boundless Credit Card From Chase '' and refused to explain the decision or collaborate with the customer to resolve the issue. 

I enrolled and started using Chase 's XXXX XXXX XXXX Credit Card in XX/XX/XXXX. The credit card marketed " Earn XXXX points for every {$1.00} spent at hotels participating in XXXX XXXX '' ( see Chase XXXX XXXXXXXX XXXX XXXX  ). 

However, in reality, Chase only provided XXXX points per {$1.00} spent for my XXXX XXXX hotel stays from XXXX to XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). The hotels spent were at XXXX XXXX and XXXX XXXX in XXXX, and were booked through XXXX official mobile app ( see XXXX XXXX XXXX and invoice for each stay in the dated pdf files ). 

I called Chase customer service on XXXX to report the issue. Chase sent a letter on XXXX saying they " researched the purchases '' and decided that " the charges are not categorized as the XXXX property '', and refused to make corrections on the points rewarded ( see Chase XXXX  XXXX  ). 

I then called Chase again to ask for an explanation and offered to provide the documents proving that the purchases were made at XXXX hotels booked through XXXX directly. However, Chase refused to provide an explanation or consider my documents, and informed me that the decision was final, and I was welcome to submit a complaint or resolve through legal action. 

The total credit card expenditure on these XXXX hotel stays were {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Rushmore loan management service XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. 

I sent 2 wire transfers prior to the last day of the Payoff estimate date. 
They held my XXXX  and did not apply the money to the loan and refused to send me the release of lien/reconveyance deed or notice of reconveyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 of 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 2019-08-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/2019 - 30/60/90/120 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: MI
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 called Equifax several times to resolve this problem. I had collections from XXXX XXXX XXXX  ( XXXX XXXX ) I set up a payment and I paid the remaining amount on XX/XX/2019. They reported it to all the credit reporting agencies. The only one that is still showing I stillI have 3 collections on my report is Equifax. I opened a dispute and I am not getting anywhere with them. They just keep giving me the run around. Today they said the system was updating and I would have to call back in about an hour. Which I had already was on the phone over 30 minutes. This is effecting my credit score. They have worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
Experian XXXX and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved

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 2023-03-01
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket mortgage promised me a rate lock of XXXX with XXXX points paid on a refinance for an investment property. 

The banker I was dealing with put this in writing to me; and made several mistakes in the process ( apparently ). 

First he misunderstood the cash out allowable percentage ( thought it was XXXX vs XXXX ), had asked for documentation multiple times that was already provided and he missed, said he sent me emails/loan estimate that never actually came through, and at the end another broker had to call me and clarify his mistake since he was applying this under an FHA loan for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XXXX  I paid my Bank of America credit card in full using BOA portal. conf # XXXX. The payment cleared my checking account. On XXXX  I learned the payment was never credited to my account. XXXX in SC advised it takes 10 days to correct. Advised my payment was posted to a closed account I was affiliated with and could give no further info. As of XX/XX/XXXX this has not been corrected. I have called BOA multiple time. XX/XX/XXXX spoke with XXXX in TX, referred to XXXX in MD XXXX XXXX, to XXXX in XXXX XXXX  to XXXX XXXX cards to small business, back to XXXX in CA in XXXX XXXX - was disconnected. XXXX XXXX in DE XXXX XXXX was very helpfull said goes to payment research takes 1-2 billing cycles and will be refunded interest and late fees. My card maxed out in the process and I was told I could make another payment or request a credit limit increase. This is a ridiculous amount of time to wait for the correction in todays world you can money around the globe very quickly. 
I would like my account corrected immediatley and fees and interest refunded.

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 monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT INFORMATION ON MY CREDIT REPORTS. I HAVE NOT EVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

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 2021-04-15
Company: Capital Accounts, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital Accounts is trying to collect {$89.00}. This amount was paid thru XXXX XXXX on XX/XX/20. I called and verified with XXXXXXXX XXXX and they stated that they only use XXXX XXXX they do not use any other collections. I called XXXX and they verified payment received on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Avant Holding Company, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This bank is falsely reporting information to the CRAs my account balance is XXXX and they are reporting XXXX as a balance

Company response to consumer: Closed with explanation