BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Capital One secured credit card account on XX/XX/2018, ( account # XXXX ) after submitting {$110.00}, which XXXX  out my secured credit line/funds at {$750.00}. I was notified by Capital One a month later with a letter dated XX/XX/2018 of my closing my account ( about 30 days ). Then I received a bank statement dated sometime around mid-XXXX ( there's no date on the statement ), that says a security deposit was " applied '' and I have a {$0.00} balance! 

So, it seems that Capital One has stolen my {$750.00} from my " account '' for reasons that I'm not aware of ( there are no automatic withdrawals associated with the account ). I haven't received any of my money as of this writing on XX/XX/2018. 

When I closed my account I read of a plethora of problems of Capital One not refunding people 's secured credit card money, so I am writing to you in the hopes that I can recoup the money that's mine. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: Strategic Alliances, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX XXXX I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: HI
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:
Wells Fargo Dealer Services is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX  and XXXX ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that Wells Fargo is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that Wells Fargo Dealer Services yes threaten us with in XX/XX/XXXX as a result Wells Fargo Dealer Services Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

Wells Fargo Dealer Services along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront Wells Fargo Dealer Services they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

Wells Fargo Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. Wells Fargo Dealer Services should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX keeps calling and leaves no messages. They called on XX/XX/XXXX at XXXX then again at XXXX and XXXX. Then on XX/XX/XXXX they called at XXXX. Today, XX/XX/XXXX theyve called at XXXX, XXXX, and XXXX. I wouldnt be surprised if they called another several times today! This is ridiculous. They keep calling from XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, JP Chase Morgan closed my accounts without informing me due to the " risk of keeping my accounts open ''. They did not let me withdraw my money at a branch, nor ATM, nor send me any check. As of today XX/XX/2019, they still keep my {$77000.00} and not offer me any way to get my money. I don't have any cash or credit card on hand and need my money for everyday spending. They need to release me my money STAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage has deducted payments from escrow in error. Acknowledging they paid insurance 3 times ( two in error ) but have failed to resolve or replace funds in our escrow. Furthermore our insurance company has denied ever receiving the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Trans union deleted a good standing credit card from my report. I lost over 100 points because of this. The card is 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 2021-01-27
Company: EQUIFAX, INC.
State: NY
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:
All three bureaus Equifax XXXX  and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold from XXXX to Dovenmuehle. In this transfer my first statement from Dovenmuehle states that I owe {$260.00} for a property inspection fee on XX/XX/2018. My loan was transferred on XX/XX/2018 and there has been no property inspection, nor should there have been due to the RESPA protection. Dovenmuehle repeatedly indicates that it was from the previous provider XXXX. In no statements or documents from XXXX is that fee listed anywhere. Dovenmuehle will not remove this fee and they keep insisting it is from past mortgage providers even though there is no record of this. I have asked them repeatedly to remove it and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke with Midland Credit Management several times and i told them to dnc my number and my family, but they continued to call me more than once a day and they have contacted my wife which is not authorized on the file and they discussed my finance with her without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have an online account for which I pay monthly with Experian and I have been trying to get a fraud account of my credit file. I contacted Experian to get this resolved and they assigned me a dedicated person from work with however I can never reach this person after several attempts. I want this entire issued resolved and no one seems to take me seriously. I have attached numerus emails and then the problem with their system when trying to upload the items they requested.

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 2020-07-07
Company: Harvest Credit Management VII, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Harvest credit management and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Ct file No. XXXX Dear Harvest credit management vii , llc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as Harvest credit management bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of buying the house we rent from our landlord. 

We started our process with Quicken Loans back in XX/XX/XXXX. We got prequalified for a conventional loan and were finally approved and had our closing date set for XX/XX/XXXX. 

On XX/XX/XXXX, they ran my credit and stopped the closing of the house because of an increase on our debt to income ratio. 

After multiple options raising gift money from family, QL informed us that the only solution to save our conventional loan was to add a co-signer. Please note a denial was NEVER mentioned. More on that later. 

In the process of figuring out our finances from XX/XX/XXXX to XX/XX/XXXX we contact a local mortage broker to see if we had another option to which he mentioned we could try a FHA loan. They are more lenient to XXXX XXXX and we would qualify. 
We started the process with our local mortgage broker and was pre approved for an fha loan. 

Before getting a reply from our broker we ASKED Quicken Loans if FHA was an option to have all options available in hands. Please note we never agreed to switch to FHA or said we wanted to proceed with FHA. We asked if it was an options and QL replied that we would need a statement from the seller that he was ok with an FHA sell and we would need a new appraisal to make sure the house qualified as FHA. 

2 days after that email from QL they sent us an FHA pre disclosure and an addendum for the seller to sign, which we never acknowledged, never signed and never gave it to the seller to sign. Please see these documents attached. 

Since the process with the local broker was a lot smoother we slowed communications with QL and continued on our process with our local broker. 

On XX/XX/XXXX QL emailed us saying that if they didnt hear from us they would have to WITHDRAW the loan, to which we replied immediately, please go ahead and withdraw. Thank you. Again no denial was mentioned. - Please see attached XXXX 's During underwriting, now with the new lender, we were informed that we have a road block because quicken loans assigned a denial to our FHA case number and our new lender wont authorize unless that denial is removed. 

Quicken loans refuse to remove the denial even though we do not have any signed document or email or phone call to switch our loan to FHA. 
We also withdrawn before they stated we would be denied. We believe that this is fraudulent from them since there is no signed documentation that we wanted to proceed with an FHA loan. 

Our loan officer was XXXX XXXX as you will see on the attached email XXXX  's FHA Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: PA
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 contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or 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 explanation
Consumer complaint received 2018-07-11
Company: Santander Consumer USA Holdings Inc.
State: IL
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 recognize that XXXX XXXX submitted unauthorized inquiries on my credit report for financing 16 times on XX/XX/2018. 

Santander Consumer is one of the companies that it solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did this. It lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I completed a driving course to remove this ticket from my record and was informed it would no longer be on my record. 

The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I went to court and they dropped this violation. This violation should not be on my trans union because I was never responsible for 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 2021-10-07
Company: American Credit Acceptance, LLC
State: GA
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent regarding the I C SYSTEM account in XXXX Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/2018, I have tried to have these inquiries removed. More and more keep popping up. I have called and opened disputes with TransUnion who refuse to remove the inquiries. I have been victim of fraud and need them removed immediately. They refused to remove them. I attached the inquiry dates below.

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