BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an invitation to apply for a XXXX credit card from BBVA Compass Bank and went ahead and applied online ( application ID : XXXX ) my application stayed pending for over a month and during this time I received false information from more than 10 people in customer service about the application being pending credit review. After a long period I spoke to someone who claims to be a supervisor ( XXXX XXXX ) but he was rude, not helpful and had no power or authority to demonstrate that he is a read supervisor. He told me that the bank won't approve me because I am not a XXXX XXXX which is a total discrimination based on Citizenship and Country of Origin. I told him if that's how the bank evaluates potential customers why did they send me an offer in the mail to apply for credit card even though I am a citizen to which he never had a good answer and then he started blaming me for applying online even though the letter says that I can apply online, in branch or by the phone. Federal credit regulations state that when a bank solicits a customer through mail to apply for a credit card their offer must be firm, legit and final approval is subject to CREDIT approval not citizenship status. If this bank made me an offer they were never going to honor it even if my credit was perfect because they are discriminating against people who are not citizens which means that the offer was not legit, illegal and against federal regulation. I asked if they are willing to remove the inquiry and he refused and told me to go contact the credit bureau. I read the offer letter again and not a single word says anything about being a XXXX XXXX before applying. Later I received a letter in the mail stating that they won't approve me because of fraud risk which is a complete joke because I tried to work with them and submitted verification documents including my social security card and state ID and even went to a branch in person to resolve the issue but no one wants to help. I was treated unfairly by this unprofessional bank and it's useless customer service team and I expect CFPB to protect me and my rights from this whole encounter. Attached are all the pages from the offer letter and the denial joke letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed 4 times with all credit bureaus. XXXX, Equifax and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted TransUnion several times over the last two months that an inquiry and address ( never lived in Colorado ) listed on my credit report XXXX is incorrect. I have faxed and mailed verification with my Drivers License and Social Security Card. The company ( XXXX XXXX XXXX ) listed an address I have never lived at and the number listed as a contact for them is disconnected. I have never done business with this company. TransUnion continues to tell me that I need to contact the Department of Education to have the inquiry removed even though I have stated the number listed is disconnected and they refuse to remove this incorrect information. 

I have also disputed the Tax Lien and that has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo refused to permit me to apply for a loan modification in XX/XX/2016 and refused to give me any plausible explanation of why not, except to say I was not eligible. My other lender provided a loan modification without any issues or problems. 

Wells Fargo strong armed me to pay over {$7000.00} after my bankruptcy and never provided a plausible explanation. Wells Fargo then filed a Notice of Default forcing me to pay their demand in order to avoid foreclosure. Wells Fargo never rescinded the Notice of Default in the court record as required.

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 2019-10-07
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monday XX/XX/XXXX I Talked to 3 people in this company who gave me little to 0 information and just asked for money. 

They said I had a balance of XXXX and would settle for less. 

Looked up company and it is a XXXX XXXX in XXXX Ohio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed 4 times with all credit bureaus. Experian, XXXX   and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.

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 2018-03-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continues to report inaccurate accounts on my report. I am NOT asking for disputes. I want these removed. ALL XXXX XXXX  XXXX accounts should be removed as they are breaking the FCRA laws. The information is inaccurate and they have me in their consumer affairs status when I call so that I can't speak to regular reps but they still have not corrected the issue. They even admitted to the reporting of XXXX XXXX XXXXXXXX that has deceptive reporting. Now their own site ( EXPERIAN ) states that for an account to report it must meet FCRA requirements such as regularly updating. It also states that utility companies do not typically report directly to Experian or other credit reporting companies. Because credit scores are calculated using information in your credit report, your utility payments would not be included in your credit scores. And this is on their own website but yet they continue to report inaccurate information. No one else is reporting this inaccurate information. This needs to stop now

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 2019-10-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit Equifax is falsely reporting the above credit card, I have tried disputing it with Equifax however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, 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:
In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my Equifax credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. Equifax Dispute result claims the information is correct even though it is obvious the social security number XXXX  XXXX XXXX has provide to Equifax does not match that of my true identifying social security number. Equifax has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: American Collection Systems, Inc. (OH)
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First off this debt was previously disputed and removed from my report, then purchased by Transworld System which by the way is not licensed in the state of Florida to collect debt requesting investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: ERC
State: FL
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 have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit XXXX kicks back a message that the validated the information.its not feeling along with research that has been done that XXXX hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TN
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX EXPERIAN 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 2020-05-01
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had suffered a XXXX XXXX in XX/XX/XXXX, I have suffered 2 other XXXX XXXX prior to that incident my wife was XXXX  in a XXXX  XXXX  in XXXX after 22 years of marriage I was devastated but was able to recover from that and stay on top of my life caliber home loans is where my mortgage is financed through, I was given a forbearance application to file with a team of specialists that work for caliber home loans, I was not allowed to make payments during the application process as of XXXX XXXX I am 8 payments behind totaling {$8800.00}!! My payment is {$1000.00} per month, after I was denied the forbearance modification loan I was put in forcloser process when I was not able to come up with the amount in full due to the fact that caliber home loans does not take partial payment on a loan 120 days past due. I contacted caliber home loans offering them a informal repayment plan of {$2500.00} down and the monthly payments of {$3400.00} for XXXX and XX/XX/XXXX, once again in was denied due to the fact of my payment history. I built my home 26 years ago to raise my family in I'm a honest person that wants to keep his home I'm just asking for a new payment plan, when the banks faced difficulties with over extending loans the people bailed them out I feel it's only fair for the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CCF Intermediate Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I went to Wells Fargo and asked if I could skip a payment because I had several medical bills. I spoke with XXXX XXXX. I agreed to pay {$400.00} more a mo. from XX/XX/XXXX to XX/XX/XXXX. I paid for XXXX on XX/XX/XXXX. I received my XXXX statmt and it showed my reg. pymt. I called on XX/XX/XXXX and spoke to XXXX and XXXX. The call was recorded. They told me the loan was paid and I had {$740.00} in a suspense acct.that I could use for my XXXX pymt. I only had to pay {$300.00} for XXXX. My XXXX statmt. showed 2 mos.late. I called and spoke to a supervisor, XXXX. She said XXXX and XXXX were wrong and I still had to pay my regular pymt plus {$400.00} extra in XXXX. I told her I had already paid other bills and only had {$300.00}. I asked her to listen to the recorded phone conversation I had with XXXX and XXXX. She said they were wrong and I still had to pay. They also reported to the credit bureaus that I was 3 mos.late with my mortgage. This isn't true.

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 2019-10-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Onemain Financial - XXXX - Balance {$2500.00} - Type : Auto Onemain Financial - XXXX - Balance {$1.00}, XXXX - Type : Secured This is not an auto loan like you have been reporting on my credit report. I have the original signed contract and it is a Secured Loan. Not only is the loan type incorrect you guys have this loan listed on my credit report twice. Once as an auto loan and once as a secured loan with 2 different loan amounts. 

Please remove the falsely reported auto loan off of my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19 I sent XXXX $ from my XXXX XXXX account to cash app for the purposes of buying and investing in bitcoin. When the price of bitcoin dropped i attempted to purchase it, only to find out that my account was closed. I tried withdrawing my money only for all banks and cards added to be rejected by cash app. 

I contacted cash app as soon as i was aware my account was closed ( XX/XX/19 ) and was rewarded with an automated response and no reasoning. I again tried to contact them on the same day with no response. 

I waited to see if my bank or card would be accepted at a later date however, to this day all attempts to withdrawal my personal funds are rejected. I again contacted support on XX/XX/19 on both email and PM on twitter, twitter returned with an automated response letting me know theyll look into it. I was emailed a few minutes later with a response that the decision to close my account was final and instructions to recover funds. I again attempted to follow these instructions only for my banks and cards to be rejected yet again. Essentially this locked XXXX $ into my account which cashapp refuses to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: ORO OC, LLC
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2017, I enrolled in a Public Service Loan Forgiveness Program through XXXX. I have made monthly payments for the past two years. On Friday I spoke with someone from the XXXX and was told that no payment has been made on my outstanding balances for over a year. I have no idea of where that money has been going. I emailed the contact person I had with XXXX and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I made a transfer from my bank of america application on my phone to my wedding photographer XXXX XXXX XXXX ' for the amount of {$2500.00}. 

I called to confirm the transfer which bank of america told me it went through to the XXXX account assoiciated with his number phone. I let XXXX know and he said there is nothing in his account nor anything is pending. 

I then contacted the bank again and they said it takes a few days for it to go through so I left it alone as I was on my honeymoon. After following up with XXXX there was still no money pending in his account. 

I then filed a investigation to see where the funds went. I got off the phone with them today XX/XX/2018 at XXXX and they told me that the person that has the funds will not release it back and that there is nothing I can do. 

I called bank of america and they are not willing to get my money back and simply told me there is nothing they can do and for me to take legal action. I have filed a IC3 report and will be going to file a police report also.

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 2019-05-22
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It's supposed to take me 10 days to get a credit of provisional credit I haven't gotten a provisional credit and they trying to make me wait 16 days and I've been with direct express since 2011 and I have to pay bills and I don't have money to pay bills or eat

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so

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