BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I want to know why XXXX XXXX bank of america are infringing on my second amendment right make perfectly legal XXXX purchases.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
As a law-abiding XXXX owner have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home. auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.

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 2018-04-28
Company: Essential Lending Inc
State: SC
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:
On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. 

On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. 

Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. 

I wasn't able to reach you on the phone. 

Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? 

Just let me know what you are needing to do, and I will see what I can get done for you. 

Thank you, XXXX XXXX Loan Manager Essential Lending Inc. 

XXXX XXXX ext. XXXX XXXX fax

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: Credit Plus 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 was shopping for the best mortgage rate beginning on XXXX-through XX/XX/20. However, CREDIT PLUS, XXXX, XXXX XXXX  XXXX, and XXXX XXXX were all third parties that were used in this process. However, CREDIT PLUS is responsible for pulling my credit as a hard inquiry from XXXX XXXX  on XX/XX/20 which has a file # XXXX, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Secondly, XXXX XXXX requested my credit to be pulled as a hard inquiry on XX/XX/20 and it is listed as file # XXXX. Needless to say, both inquiries were authorized, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Therefore, I would like for both of the hard inquiries to be reported as soft inquiries since they were implemented during my 45 day window of shopping for the best interest rate for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: TN
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 disputed these accounts 3 times they have yet to remove these accounts that are not my accounts.

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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

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 2019-09-14
Company: K STREET FINANCE, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2018 I had loaned my vehicle XXXX XXXX to an employee I just hired he took XXXX home to load tools in it his friend borrowed it to go get gas was pulled over and car was impounded I was notified a week later when Mullen finance contacted me saying I owe them {$2500.00} for tow fees and 1 late payment Which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and it was in their computer. Wo which a week prior to my due date I contacted the lady at the front desk and her and I had a promise to pay agreement and strong armed me basically for my vehicle or {$2500.00} and I was not able to get my car myself the police and finance company did not contact Me The registered owner to even retrieve my car? The finance company and I were arguing on the phone and he kept calling me a XXXX when clearly I was not saying nothing racial he hung up on me I have voice recordings of him he is very unprofessional hung up on me and send me fake court order appearances, Basically said he mailed me a court order to appear but never received it I called back to retrieve my car with the money and you kept hanging up on me was very rude and did not cooperate and want to give me my car and said he sold it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: CA
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 would like to remove the fraud alert from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018 there were two unauthorized wire transfers from our account. The first one was for XXXX and the second one was for XXXX.going to the same person in Arizona that XXXX have never heard of or done any transactions with previously. I reported TD bank and they said they will investigate and would contact XXXX XXXX XXXX ( thief 's bank ) to investigate. They took a week and then told me that because the transfer came from my computer that there is nothing they can do. I didn't authorize any transfer so even if my computer had malware or whatever they claim I didn't authorize it and want them to proceed with recovering the money. They said there is no recourse for this and that I am out the money with no appeal or recourse. I don't believe that my computer was where the transfer came from and even somehow they hacked my computer and transferred the money I am still stating that this was unauthorized and would expect them to take action. the thief who did this gets away scot-free and does it again because the bank did nothing. They seemed to shift the lilbility to my computer because then they would not be responsible for their allowing this transfer to happen. They never even contacted the thief bank account holder to see if why they had an explanation for them receiving the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: DISCOVER BANK
State: NJ
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:
A Discover card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, Discover is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the 2 Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: BROKER SOLUTIONS, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Property : XXXX XXXX XXXX. XXXX XXXX, TX XXXX. 
Lender : New American Funding. 
Loan amount : {$230000.00}. 
Type : VA Loan I am a XXXX veteran, exempt from pay the VA funding fee ( {$3.00} XXXX ). 
New American funding provided me a misleading closing cost disclosure worksheet, with inaccurate fees. and they added the VA funding fee amount to the loan amount, and refused to remove it from the closing paperwork. 
I voiced my concerns to remove the fee, per VA regulations, but the officers who are processing the loan keep giving me the run around. and excuses but will not remove the fee from the closing disclosure. 
My closing date is approaching ( possibly XX/XX/XXXX ) but the officers are telling me that it will be removed, but yet providing the title company the erroneoNirtus closing cost disclosure. 
The title company ( XXXX XXXX XXXX ) is telling me that they can not remove the VA funding fee without instructions from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 previously sent in a complaint that I tried disputing a claim by XXXX XXXX was reporting my account 120 days late XX/XX/XXXX and which was impossible because the account was opened XX/XX/XXXX. Now my credit report has changed to 120 days late XX/XX/XXXX! Are the people handling my report that XXXX? for one, I was not late In XXXX and for two, it is still only 60 days open but the erased data from XXXX and XXXX. THIS IS FRAUD! Someone has to be held accountable! If you can't help me resolve this, I want to know who can!

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2020. To date, it is 60 days later and I have not received a response yet. I am now starting to feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2020-05-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had a student loan since XXXX at 2.125 %. It was unfortunately sold to Navient years back and have been paying {$320.00} since XXXX. 

Then Covid19 came and then student loans were suspended I just received a letter saying my interest rate is now 3.125 % and my monthly bill for the next 137 payments is now {$340.00}. 

This may have been a clerical error on Navients part. However trying to get a competent customer service rep on the phone is impossible even if the situation is explained multiple times. 
In addition if this was an error, how many other errors have they made?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2019-09-14
Company: Experian Information Solutions Inc.
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:
File disputes with Experian and XXXX and XXXX XXXX.Two of the bureaus have deleted the information XXXX XXXX and XXXX have deleted the information Experian however refuses to do to delete and not provide correct information their only resolve is to say that the item remains without proof of verification. This bureau needs to be held accountable and needs to provide proper documentation that is legit every dispute that I submit with him they do not remove nor do they verify with proper documents.My bankruptcy was removed by XXXX XXXX and XXXX but Experian refuses to remove it from my report proof will be uploaded in a document 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
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!

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 2019-09-14
Company: EQUIFAX, INC.
State: FL
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:
XXXX  HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXXL -- NOT MINE XXXX   XXXX XXXX -- NOT MINE EQUIFAX   MORTGAGE SERVICE -- NOT MINE XXXX XXXX OF -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX | XXXX XXXX XXXX. XXXX XXXX XXXX. | EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES | EQUIFAX MORTGAGE XXXX EQUIFAX MORTGAGE SERVICES | 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.

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 2019-09-14
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made payments to Cb1 on my account for a total of {$340.00}. I asked for an accounting of my payments and they sent me a statement saying I have only paid {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a victim of identity theft and keep receiving notification about a fraud account that does not belong to me I submitted a report over a month ago please see attachemnts

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