BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX  gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX/XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.

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 2023-07-16
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A couple years ago I noticed money going in and out of my bank account which was not me so after noticing I called and closed my bank with no issues. About a year later I see a collection post on my credit which dramatically dropped my score for the amount of {$1900.00} and it said it was a loan. I never applied for a loan of any nature so i reported it instantly with Experian and they took a while just to deny it. I waited the required amount before disputing it again. After speaking on the phone and explaining the dispute it was promised to be further looked at but instead was denied. I tried once more with the same outcome and it was denied. Which made me unable to even attempt to dispute it again. I then was getting calls from a number of a Law firm so I answered and was told I owed {$1900.00} for a loan so i said No and explained my dispute. She then listened and said she would send me a packet. She sent me a packet which looks like an online loan that was applied through using my name, information, SSN, and Electronic made up signature for the amount of {$1200.00}. Which means they waited till full interest accrued before reporting it to my credit on a loan that I had no knowledge of and was falsely applied for. Please help as my credit is taking a toll from this.

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 2022-01-09
Company: Vela US Holdco. Inc.
State: IN
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:
This is another complaint to my list of complaints on the XXXX XXXX XXXX, and their negligence in validating and correction XXXX XXXX XXXX. 
FAME, debt collector, is listed on my credit report, XXXX XXXX Federal Highway # XXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for FAME to be listed on my consumer credit report? Did FAME extend credit? Is there a two-signature contract? 
I demand that XXXX validate the alleged debt. 
I am demand proof of clam for this alleged debt from FAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-08
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX we received a paper letter stating our mortgage was in collections so we immediately called the company. We were concerned because we had made our payment on time and in full. They told us that our escrow had started up and we hadnt made the right payment amount therefore it went into collections. We never received any communication on our payment going up and when it would. So we called immediately and made the payment. We kept watching our account and it never debited. Then received a phone call yesterday, we called back and they informed us that the payment didnt go through. They listened to the recorded call and learned that their representative typed in our account numbers incorrectly. This company has made so many mistakes since we started using them. Their customer service is horrible

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 2022-10-11
Company: GUARANTEED RATE INC.
State: SD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX, XXXX I applied for a Heloc through my lender 's app. Guaranteed Rate. I was denied. I called XXXX to inquire as to why I was declined. I have excellent ( over XXXX ) credit scores. I have very little debt. When a man ( XXXX ) answered, he put me on hold and when he came back after checking on my application, said I was declined due to " a county land use code that we do not accept. '' I had never heard of such a thing and asked for more information. He said the code was " NEC or Not elsewhere classified '' and that they don't do loans on properties with that code. I said I lived in a residential neighborhood in a single family home, and asked what would be considered a " normal ' code. He replied single family. I said that I thought there was some mistake. He said I would need to call my county to get it corrected. We hung up.

I called the County assessors office and spoke with XXXX She confirmed with her superior that my property is indeed coded with the county as " Single Family Residence ''. She offered to email me the property card to send on to the processor at Gauranteed rate. She did email that to me and we hung up. I called back immediately to the above XXXX number for guaranteed rate. This time after waiting for an answer for 15 minutes I spoke with " XXXX ''. I told him that I had an email proving that my property was not coded as NEC, but Single Family. He said there was nothing he could do. The information they get can not be changed. I asked how that is legal. They are offering financial loans to the public but they don't have to use correct information to process that person 's application? That doesn't seem right. I asked for a superior to call me back. He said there is no one that is a superior. That he literally had nothing other he could do for me. I again asked how I was to correct this mistaken information if the county had nothing to change? I asked to send him the property card by email. He said that there would be nothing he could do with the corrected information or the property card and the final comment he had was that this happens to A LOT of people that are applying and there is literally nothing they can do. This sounds like a company that has an algorithm set up in their approval data to lend to only a certain demographic that maybe my neighborhood is not part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer is US Bank. Due to COVID-19, I experienced a loss of income and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX for assistance. With the help of Legal Aid, I applied for mortgage assistance through XXXX XXXX XXXX XXXX XXXX Homeowners Assistance Fund ( HAF ) program, Save the Dream Ohio. 

On XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXX conditionally approved my application. They sent a verification record to US Bank for them to send back to the XXXX  XXXX XXXX XXXX. US Bank completed this step in XX/XX/XXXX. Shortly after, the XXXX  XXXX XXXX XXXX notified me that my application had been fully approved. 

Save the Dream Ohio made the first payment on XX/XX/XXXX, which reinstated my loan. I was also approved for six months of additional mortgage assistance. To date, the XXXX  XXXX XXXX XXXX has sent mortgage assistance payments to US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, my most recent billing statement, dated XX/XX/XXXX, indicates that I am two payments behind. I have erroneously been charged late fees for two months.

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 2022-10-11
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, XXXX put {$42000.00} for the purchase of a new home with XXXX XXXX XXXX California XXXX XXXX XXXX I informed the sales agent that I do not have the down payment and they suggested I go through Open door. 

That same day, without confirmation of funds to be received for my current home from XXXX XXXX, they began the application process to approve my loan. I submitted my current paystubs and an offer from the XXXX as a temporary second job. 

Soon thereafter, the offer from XXXX XXXX was {$100000.00} less than the down payment expected. XXXX XXXX of XXXX Mortgage continued to try to make the deal work with a second. I informed them I have no further money to put down on the loan. 

On XX/XX/2022, I got news from my second job offer that I would not be eligible to work. I submitted this proof to XXXX Mortgage and XXXX XXXX XXXX California XXXX XXXX. Rather than provide me with a denial of my qualification of the loan so I can obtain my deposit back, I was getting calls from both companies essentially forcing me to get my second job even though I do not have the requisite paperwork to qualify. 

I know that they are illegally withholding my deposit as I have now showed them ample proof that my income would no longer qualify for this loan. I am a single mom and this deposit is my entire life savings. I have been having XXXX palpitations due to their antics in not providing me my funds, rather continuously questioning me on my qualifications on the second job. At this point, I will not be able to work a second job or even my current job because I am so stressed out. 

Both XXXX XXXX and XXXX Mortgage, through their respective representatives have been calling me about my second job and stating they do not want to return the funds because they believe I can obtain this second job, despite being shown an email from the HR specialists that my application is not moving forward.

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 2021-03-17
Company: DISCOVER BANK
State: NV
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:
XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. 
-Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. 
XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. 

XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I cancelled an American Express personal card in XX/XX/XXXX at which time a customer service representative told me they would credit the account for an outstanding annual fee of {$95.00} since I was cancelling the card. Then I opened a new card in XX/XX/XXXX and began using it without any issues. In XX/XX/XXXX, charges on the new card were declined because American Express was showing an outstanding balance of {$95.00} on an old card. Customer service basically held me hostage with the {$95.00} balance that was supposed to be credited to my account and required me to make that payment, despite it not being owed, if I wanted my new card to function again. I made the {$95.00} payment, but I dispute that I owed that amount and am amazed that American Express would treat its customers like that, especially those of us that are consumer and small-business customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hi, I have recently starting having this problem about a month ago. 

I enter my userid and password and I'm passed to a link that says " We've detected a problem while logging in ''. I am then prompted to select receiving a special code to let me login. I selected a phone call which happen correctly and successfully. This is a pain in my back side. 

I just got off the phone with CapitalOne 's customer support people. I asked them why I was being required to do their 2 step verification process CONSTANTLY. They said they couldn't help me. I asked for a supervisor and got the same answer. Clearly there is something wrong or broken with this process ( me or their web site ) but was told that there was NO ONE WHO COULD HELP ME and that their site is functioning properly and that, basically, I was stuck. 

This answer is unacceptable to me but I could NOT find someone who could help me. 

Can you get their attention on my behalf please? 

XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Over three months ago, I contacted American Express about an incorrect payment I applied to one of my two Amex accounts : the {$500.00} needed to be transferred from account ending XXXX to account ending in XXXX. After that phone call, I have never since been able to access a monthly statement for either of my two Amex accounts. I have spoken five times and spent over ten hours on the phone between customer service and technical support, the last was with technical support three weeks ago who stated they would have my online access restored within one week ( two weeks ago ). Today, XXXX XXXX, I attempted to get online access, the only way Amex allows me my account information, was again disallowed. I again spoke with an Amex customer service rep and also wrote an email to XXXX. Amex is breaking the law because there is no way I can see my account statements for the past four months now and I have no way of know what happened to that {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have applied 2 times with CashNetUsa and been approved for {$1000.00} however when I email or upload my bank documents they refuse to accept them I even traveled over 1 hour to my nearest bank to get the original bank agreement as they requested per their emails. Thereafter they called and said what I sent isn't good enough! I wasted valuable time and gas to do what they asked and bank only permitted me what I provided them per bank policy. Shame on CashNetUsa for their XXXX customer service DO NOT use them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX I have called, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX XXXX addresses ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX CA XXXX Incorrect employer ; XXXX Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID

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 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ASKED FOR AN AUTHENTIFICATION AND VERIFICATION USING THE FCRA SECTION 609 LETTER AND VERIFIED RESPONSES BY MAIL ALSO TO DELETE ANY UNVERIFIED INFORMATION ON THE REPORT UNTIL A COMPLETE AUTHENTIFICATIONVAND VERIFICATION OF THE RECORD HAS TAKEN PLACE AND I CAN INSPECT THE RECORD. FOR MY PERSONAL AND PRIVATE INFORMATION TO NOT BE IN THE PUBLIC.

Company response to consumer: Closed with non-monetary relief