BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This nightmare happened when I got locked out of my online account. I believe something is wrong with the site, because the security questions did not allow me to gain access, And I know I answered some of them right. But still didn't allow me to gain access. 

So after a number of attempts the site automatically locks you out, and tell you to call the company and you have to speak with agent to have them reset the account. 

I have been calling BSI since monday, leaving messages, e-mails multiple times a day and I get no call back, no e-mails. 

BSI uses the same number for everything ... .For example, I found a number on their website for " Sales '' XXXX it sends you to the same dead-end phone tree. 

Now, I must mail the payment over. I do not like to send my payment through the mail : 1 ) I don't own checks so I have to pay for a money order 2 ) I have to spend time , drive wait in line at the post office 3 ) Pay a higher fee so that the check can reach them on time They said if they don't get the check before the XXXX I will be charged with a late fee? 
how can that be fair that they can charge that? I am trying to gain access to my account ... .they have the power to unlock the account, but nobody is working. 

Also no real indication on what they are doing through the crisis. Nothing telling the customers about the lack of resources ... or other options to pay, If you want to pay over the phone it sends you to the same dead phone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. 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 2019-11-14
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX never responded to my dispute with this account.when there was a dispute about my bill.

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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans Union is reporting a delinquent account that is up to date!

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements

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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately This account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Rocket Mortgage, LLC
State: NV
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:
On XX/XX/2020, I received a voicemail from Quicken loans @ XXXX XXXX. Stating my account needed an upgrade. I called back the number XXXX and the number went to a generic voicemail. I then called Quicken loans directly because I have my home loan with them and was concerned something was wrong with my home loan. I was transferred to a woman named XXXX who requested confirmation I was the individual calling and she preceded to update my personal information. We discussed refinancing and I specifically told her NOT to run my credit that I was going to go to my local credit union and discuss rates within with them in the next two weeks. I hung up. A few minutes later I received a email stating my credit report was run. I contacted Quicken Loans dispute center and explained I absolutely did not give my permission to run my credit. The complaint department, spokesperson XXXX stated because I gave her my ssn that implied I gave consent. I gave my ssn because she requested it to verify it was me and stated she needed to update my information. I am almost XXXX years old, working full-time and caring for my XXXX husband. I depend on maintaining a good credit score in the event of needing credit. This has caused my credit score to go down. They never had my consent to run my credit score. They will not remove the hard inquiry. It stays on my account for 2 years. I have no other choice but to bring the complaint against them now with consumer finance.

They totally duped me from the first call under the pretense that I was missing information and then ran my credit score without my permission hurting my credit score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not reviewed my credit report because I never felt the need to utilize it. Until recently, my child is about to finish grad school and I wanted to help him. I noticed that I am a victim of Identity theft. I contacted my lawyers and they told me to fill out an FTC document with my supporting documents and submit to you. I expect a swift removal because I am going to seek litigation against the man who did this to me.

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 2018-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: NC
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: Didn't receive services that were advertised

Complaint:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-02-01
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company ERC is reporting a claim from an original creditor ( XXXX ) that was opened XX/XX/2020. This claim is false, I believe this claim is due to fraud, I have never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: GA
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: Problem with product or service terms changing

Complaint:
I have been trying for months to log into my XXXX XXXX  XXXX account through Equifax. I have been put on long holds, told by their customer service dept that the issue would be corrected, lied to over and over again. I have a log in but can not access the credit monitoring that I signed up for due to the security breach. In addition, Equifax is blocking me from accessing my credit file online. This is my second complaint through CFPB and to date nothing has been corrected. What is the point of having CFPB if you're not going to investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Reported lost card XX/XX/XXXX Called XX/XX/XXXX, again XX/XX/XXXX to report new card Not recieved. Must be lost in mail I was required to say my previous lost card information or tell my new card information that had Not arrived yet When I could not I WAS UNABLE TO VERIFY MYSELF TO USAA so I could not get replacement card On XX/XX/XXXX I was well enough to try again ( XXXX and No Access to banking with USAA ) Auto service asked Lost Card I responded LOST CARD Prompt said a 25 min wait I waited my call was never answered I called back 2 hours later explained LOST CARD and was told a 25 min wait. And again No one Answered after 1 hour wait USAA DOES NOT RESPOND TO PROTECT AGAINST FRAUD Please cancel card I did not get I do not know the number to tell you cause I did not get the card yet Stop telling me to discuss my account I must recited the new card info. Or Old card info I do NOT HAVE EITHER TO BE VERIFIED It is bad enough this on line banking only company GIVES NO ACCESS ON LINE ( due to XXXX ) NOT ADA ACCESSIBLE AND GIVES NO ACCESS BY PHONE AS WELL. I had fraud XXXX unresolved and fraud XXXX unresolved And Can Not report a lost card? USAA IS NOT AVAILABLE TO CONSUMERS HAS NO FRAUD PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX.,  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, sent me a collection letter ( ref. Client Acct. # XXXX ) for a debt I did not owe. Further, XXXX sent this letter to my new address indicating it fraudulently accessed my credit information without authorization. It also used my personal information to acquire my contact number and send me harrassing phone calls.

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 2019-11-15
Company: Exeter Finance Corp.
State: NC
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:
In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called allied auto financing. There should be only that and XXXX on my hard inquiries and there is XXXX. Im being hurt by all this credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a CapitalOne Savings and Checking account. Someone hacked into my accounts and transferred money from my Savings account to the Checking account and then XXXX, XXXX and XXXXd the money to themselves. I reported the theft as soon as I noticed and I am in the process of filing a police report. CapitalOne is not refunding the money to me even though I am a victim of theft/fraud. This was most of the money I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION WILL NOT SEND ME WHAT I ASK FOR IN MY DISPUTE LETTERS ON XX/XX/XXXX, XXXX, XX/XX/XXXX AND XX/XX/XXXX. XX/XX/XXXX .TRANSUNION ALL WAYS SAY MY FILE HAS BEEN VERIFIED, MY DISPUTE LETTERS ARE ASKING FOR NAMES OF CONTACTS, PHONE NUMBERS OF WHOM THEY VERIFIED ACCOUNTS WITH AND THE ORIGINAL CONTRACT WITH MY NAME ON IT ... ... ... ... ... ... ... ... ... ... .... XXXX ACCOUNT # XXXX DO NOT MATCH MY LEGAL ADDRESS ON FILE WITH TRANSUNION

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 2019-05-29
Company: EQUIFAX, INC.
State: NC
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: Didn't receive services that were advertised

Complaint:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.

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