BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
In XXXX of 2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative  information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates texting me about owing them money, which I do not. I have XXXX debt, I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PNC bank has failed to protect me as a customer someone hacked my account and made several unauthorized XXXX XXXX  transactions many of times I try to dispute this but the claim always get denied. 1st dispute I filled it out under the wrong dispute reason. When I tried to appeal it did not work out for me. I tried many times enough is enough. PNC is violating federal rules and failed to libe up to its " Zero liability '' protection policy. In addition I run my own business, have a family of XXXX children I cant afford to lose any funds stolen from me. I nees my funds returned to my account ending in XXXX ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinancing of my mortgage with Quicken Loans. Quicken Loans provided some but not all of the terms of the loan. Quicken Loans collected a {$500.00} deposit to cover the appraisal at the time that the terms were provided orally over the phone ( not in writing ). The appraisal was completed on XX/XX/2020. The total cost of refinancing was not fully disclosed to me until I received the Loan Estimate on XX/XX/2020. The Loan Estimate revealed that the principal balance of my mortgage would be increased by {$18000.00} as a result of the fees charged by Quicken Loans and that I would be charged PMI, all of which was also not previously disclosed to me. As the terms of the loan were completely unacceptable I terminated my application with Quicken Loans. Because I was deceived regarding the terms of the loan I demanded a refund of the {$500.00} deposit. My request was denied by email dated XX/XX/2020. The representative who denied the request was XXXX XXXX ( XXXX ) XXXX. 

The failure to disclose all of the terms until after the appraisal was clearly a tactic on the part of Quicken Loans to pressure me into accepting the loan terms. By terminating the application, I forfeited the {$500.00} which would have been rolled into the mortgage had I completed the process. This is a criminal organization seeking to take advantage of consumers at a time when many are suffering severe economic hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XX/XX/XXXXin question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/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 2018-03-05
Company: CITIBANK, N.A.
State: MO
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:
on XX/XX/18 I called XXXX XXXXk, citi bank, and XXXX  XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. citi bank said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX  XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. citi bank did close the account but I am still seeing those late payments. XXXX  XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXXto XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

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 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One closed my account without warning. I had {$0.00} balance and had not used that card in 2 years but received no warning that it would be closed. Closing it lowered my available credit and decreased my average credit account age, which will result in a lower credit score. When I called to ask them to reconsider I was told that it was a corporate decision and there was no one at Capital One that could reverse it and that I could not speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a flight from XXXX XXXX on XX/XX/2020. The flight was XXXX fri XX/XX/2020 from XXXX to XXXX. Arriving at XXXX ; XXXX. returning XX/XX/2020 flight XXXX leaving XXXX arriving XXXX ; XXXX. With my Chase slate card. The airline changed my Friday flight to Sunday arriving XXXX cutting the time of my original trip by over half. I denied this flight and wasn't given an option of a refund. I therefore called my credit card company Chase. They were supportive and told me they understood and would take care of it no problem, as it was obviously a significant change. It was credited on XX/XX/2020 in the amount of XXXX. I was pleased and thought it was finished. On XX/XX/2020 I was re-billed for XXXX. I called the dispute customer service on XX/XX/2020 at XXXX. waited for 45min on hold. Spoke with XXXX who informed me that they were only offering a flight voucher. I told her that the Department of Transportation made it clear that any changes made by the airline were totally refundable. Still to no avail I asked for the supervisor, XXXX XXXX was the id she gave me. She said there was nothing she was going to do whether it was the law or not. Leaving me no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: LA
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 mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, 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 2021-11-03
Company: EQUIFAX, INC.
State: CA
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:
An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage company WELLS FARGO to inquire about what types of services were available IF my renter 's were unable to make their payment due to covid. It was for an inquiry purpose and I was told that I would receive a letter regarding any programs available. I was also told that late fees were waived across the board due to covid. I did infact receive a letter and in that letter it stated my mortgage was placed in forbearance! I did not request any forbearance. Recently I was notified by a lender that it showed on my credit report and have been trying to have it removed since then. I have been unable to have it removed despite multiple phone calls to the executive office. They are " investigating '' ''. I have not been able to receive an email or paper trail confirm ing the removal or my calls to the the company. My  mortgage payments are current and have been for the past 10 plus years. I have been unable to pursue obtaing a new loan for a car or home.

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 2018-03-05
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 ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a settlement with Credit management and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: OH
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 don't recognize these inquiries XXXX credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX USAA makes statement : Temporary credits were applied on time no delay NOT TRUE. See statement of XX/XX/XXXX. XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Credit from merchants are the ONLY CREDITS shown on statement of XX/XX/XXXX. There are No Temporary Credits or Permanet Credits from USAA XX/XX/XXXX. KINDLY NOTE USAA CLAIMSl the TEMPORARY CREDITS Not MADE Permanet are Permanet. USAA LIES TEMPORARY CREDITS NEVER GIVEN for XX/XX/XXXX Fraud claim date. See letter of XX/XX/XXXX. It took 2 years to discover USAA MUST MAKE TEMPORARY CREDITS PERMANET as letter XX/XX/XXXX explains. No wonder all my fraud credits kept disappearing like {$2600.00} other credits vanished XX/XX/XXXX Temporary Credits do not apply UNTIL MADE PERMANET. WOW Now USAA uses the temporary credits ( not made permanet ) converting all temporary credits into PERMANET CHARGES OF NEW PURCHASES CREDIT REVERSALS claiming 2 credits as merchant paid. How can USAA reverse credit NOT GIVEN because not made permanet to apply to balance. THERE ARE NO PERMANET USAA CREDITS FOR FRAUD REPORTED AND there are No temporary credits posted timely XX/XX/XXXX for the claim date of XX/XX/XXXX. USAA sorry, but that is a lie and there are XXXX many more credits never made permanet. Also I spoke to XXXX, XXXX, XXXX, XXXX, XXXX at gr8 length. I explained. I have XXXX  with ADA tools of talk back screen reader and scanner. USAA tech will have to fix why USAA web and USAA mobile app do not hook up. I am able to access CFPB and FTC & Ideninity Theft.gov. I do not know a lot about tech but am ready to perform any hand movements that ARE NOT HAZZARDOUS TO MY XXXX, HOWEVER ; I DO NOT WANT TO CONTINUE A RELATIONSHIP WITH USAA DO NOT SEND ME ANOTHER NEW CARD USAA has a responsibllity to provide access and options for 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 2020-05-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation