BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX have received a hard inquiry after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry 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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-12-15
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My arvest bank account is frozen and locked up there pressing charges on the two gentlemen that committing fraud on us I posted on XXXX that I needed help with getting my kids XXXX and XXXX XXXX and he asked for my phone number so that his account offer will be sending XXXX and he will be sending more than XXXX and I was supposed to send the rest back to his partner and I have all texted and messages from both gentleman and lucky my bank cought this and is helping us press charges and my name is XXXX XXXX if you need anything from me please contact me please at 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 2018-04-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach. Both XXXX  and XXXX  sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, with identification, to Equifax requesting the pin number. They have not responded. 

Please get Equifax to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX says that owe them money where I do not the own me money for lying to XXXX XXXX. 
XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX my Bank of America Cash rewards supervisor XXXX has told me that my account was closed for no reason. I have had this credit card since XX/XX/XXXX with no issues. please see attached photos for proof. I was NEVER late, this is a violation of my rights and federal law of 15 U.S.C Ch. 41 TILA Act. I have a credit limit of {$8000.00} and I was never late with payments. I am also an honorable military combat veteran who served his country. They have mentioned upon reviewing my credit report we have decided to closed down the account. I never gave them permissible purpose un 15 usc 1681b that is a violation of the law to pull my report ( EVEN IF ITS SOFT PULL ) i always paid off the credit card, and i was looking to pay it off in full this month. I will be filing a BBB complaint as well as bringing this to the attorney general, public press release and social media! Being that they closed that account this affect my score and put me in a bad position credit wise which i can sue and put them in litigation for! this is an adverse action against my well being. i am the original creditor ( by federal law ) I extend the right to give you guys my credit and it actually against eh law for banks to extend credit! they fraudulently check my credit report and deemed me as a credit risk. the violation they broke was the FCRA 1681 usc ss 604 states. they did not give any warning what so ever. regardless i have great credit nd they broke the law. I will also be seeking litigation.

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 2018-11-20
Company: 2288984 Ontario Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX I am XXXX yrs old. 
In XXXXI got a loan from XXXX XXXX for {$500.00}. the intrest was to be {$87.00} I paid {$71.00} in XXXX, I paid {$180.00} in XXXX, I paid {$210.00} in XXXX {$200.00} in XXXX {$180.00} in XXXX. they gave me an add {$110.00} in XXXX. took another {$180.00} in XXXX. I changed act. as to me this should of been paid in full. they attempted to charge me another {$220.00} the first week of XXXX. and are claiming I now owe them over {$600.00} They have black marked my credit file and thus claiming I did not pay any money on the loan. all I paid was intrest fees. and it is going up and has stopped me from getting a bank loan to keep living. I know my payments more than paid the loan. want something done about it. my address is XXXX   XXXX. XXXX XXXX lot XXXX in XXXX ks XXXX, my phone mess. is XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Trident Asset Management, L.L.C.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I received an alert from XXXX that I had a collection on my report. The collection was added by a company called Trident Asset Management. I called the company and they stated that they could not find me by my name. I looked into the debt on the XXXX credit report and noticed they stated it was for {$40.00} and that the original creditor is XXXX, XXXX. I am a current customer of XXXX, so I knew this can not be correct. I called XXXX and they stated that since all of their products are pre-paid, they do not send people to collections and that this is most likely fraudulent if it is being reported that way. I have never received any written communication from Trident and they would not provide me information when I called because my name " was not in their system '' - After some research online, I believe this is a scam. I've attached my complete order and payment history showing the payments were pre-paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a new customer with Equifax - XXXX XXXX. I never recvd a bill, never recvd any mail and never even recvd a phone call. All of a sudden I get a notice in the mail from a collection agency saying I owed almost {$300.00} and my account was in collections. I am a new customer and never recvd anything. I called equifax XX/XX/2018 to try and resolve this issue. This has severely ruined my credit. I am a business owner, now Equifax has ruined my credit. I tried to reach out to them and they even confirmed they did not send mail or make any phone calls. I s/w a manager XXXX XXXX who confirmed nothing was sent. They talked down to me and could not resolve my issue. This has ruined my credit .I never even recvd a monthly statement. This is unacceptable and I do not know how this is ok or how they can even get away with this. I want some kind of resolution. The phone number I s/w them on Telephone : XXXX XXXX. My name is XXXX XXXX with XXXX XXXX, ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NEW YORK HIGHER EDUCATION SERVICE XXXX : Notice for # XXXX Proof of Claim Account : XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of  other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract BETWEEN XXXX XXXX # XXXX and NEW YORK HIGHER EDUCATION SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian 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 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 four 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-07-09
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In my opinion Wells Fargo is deliberately holding transaction to cause me to overdraft. Transactions pend for too long. My ending balance be positive but I still end up getting an overdraft charge. I called twice and informed to customer service Rep I could afford the overdraft charges and it's very expensive. 

XX/XX/21 Authorized Pro Lock for {$55.00} XX/XX/21 ending daily balanced is XXXX XX/XX/21 ending daily balance is {$0.00} XX/XX/21 overdraft charge of {$35.00} for the {$55.00} transaction ( Received a partial reversal of {$17.00} ) XX/XX/21 Ending balanced is {$390.00} XX/XX/21 Posted credit card payment of {$30.00} XX/XX/21 Ending daily balance is {$360.00} XX/XX/21 Overdraft charge of {$35.00} for the {$30.00} Transaction XX/XX/21 Ending balance is {$5.00} XX/XX/21 Posted transaction XXXX XXXX for {$5.00} XX/XX/21 Overdraft charge of {$35.00} for the transaction of {$5.00} ( Received a partial reversal of {$8.00} ) XX/XX/21 Ending daily balance {$5.00} XXXX Deposit of {$290.00} XX/XX/21 Authorized transaction for XXXX XX/XX/21 Ending balance {$4.00} XX/XX/21 Overdraft Charge of {$35.00} for the XXXX transaction. ( Received a partial reversal of {$8.00} )

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 2021-07-09
Company: EQUIFAX, INC.
State: VA
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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  XXXX on XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian 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 XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name 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 four 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 XXXXThis 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: TX
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:
around XX/XX/XXXX I contact customer service to get my pay off amount for my credit card Account number ending in XXXX since i was enrolled on paperless statements and I was not able to log in online and I wanted to pay it in full before my international trip this way my balance was XXXX and there was no future payments. in that phone call i talk to a supervisor and order a new card and expedited to me so i could make an online payment before the due date, also gave me the amount due of {$9200.00} that was i little bit higher than my ending balance because it included the new interest accrue until the due date also he offer me to make a adjustment for the interest and dispute some charges i did not recognized he assured me after i pay that amount my card balance was going to be XXXX and will not have to make another payment until i use the card again. on XX/XX/XXXX when i received my new card i log in online and made the payment of {$9200.00} for the exact amount the customer supervisor told me to pay so my account could have a XXXX balance and i would not have to worry on any payments while I was out on my trip. I never received any phone calls or correspondence until XX/XX/XXXX regarding my past due account i contacted customer service regarding this error on their part and explain the situation they were very uncooperative and the only thing they told me that i had to pay the past due balance of 300 something dlls that was mostly late fees for the months of XXXX XXXX XXXX XXXX XXXX and XXXX and when i express my concern of my credit being affected they told me that is why i have to keep track of my balances. i try to explained them that the may reason i contacted customer service and make sure i ask for the exact amount i had to pay so i didn't have to worry about any future payments their response was that there was nothing to do that my credit was already affected by the late payments and that i need to make the payment as soon as possible which i believe that is very unfair the way they conduct business especially not caring at all or being a little considerate i really need help resolving this situation and i would like to remove all the late credit reporting that was done by their deceptive practices and that would considerably affect my credit score since this situation has already had consequences they close both of my credit cards i have with them and this action also lowered my credit score which i really matters to my life. thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my home in XX/XX/XXXX. I financed the mortgage with Rocket Mortgage ( Quicken Loans ). I always pay on time, I have never missed a payment or paid late. On XX/XX/XXXX I applied to refinance my mortgage in an attempt to lower my interest rate. 

Rocket Mortgage said they were unable to approve my loan because I owe past due child support. I explained that I have a court approved child support order to repay the past due child support in monthly installments, but Rocket Mortgage said they were still unable to approve my application. 

I want to know if a bank can legally deny a loan application based on past due child when the child support is being paid per court order?

Company response to consumer: Closed with explanation