BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well  as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-04-23
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Spoke to an agent about errors and " Boost '' product, and an hard inquiry showing but no new account reported, and a balance update, and the rep was being extremely rude ( to the point i said i don't have to tolerate you being rude ) so I hung up on her, and filled out a complaint form on the site - The next day ( today ) 'mysteriously ' I have two missing current credit card accounts, an open acct showing closed, a loan misreported etc. AND I opened my email to an Experian member alert that " congratulations '' my score WENT UP - then upon clicking link & going to the site I have messages that say : your score DECREASED your score INCREASED new cc account opened credit line increase your utilization went down your credit utilization decreased significantly on one of your accounts congrats on a loan payoff Spoke to a new rep today and made an escalated complaint & was told upon investigating that because I had disputed my balance on one of my perfect accounts ( i got a credit increase but it was not showing ) and the creditor neglected to answer that they DELETED THE ENTIRE ACCOUNT ; She stated this was due to FCRA rules - I said this was preposterous bc I have disputed a late payment before and when the company didn't respond the payment was corrected, the account itself was not deleted. This still does not explain all the other shady-ness but it is a starting point. I was told I have no recourse on that one other than to ask XXXX XXXX to re-report my whole account ( not sure how ) and she further said she would tell the supervisor abt the other stuff. This all took place XX/XX/XXXX, XXXX, and today the XXXX. 

** P.S. to this - I just got off the phone w XXXX XXXX and no matter whom the rep at XXXX XXXX asked, they all said they had no idea why the entire acct would have disappeared/been deleted from Experian - bc they " reported my last update to Experian on the XXXX at XXXX XXXX  '' - So there is DEFINITELY something ILLEGAL going on at Experian. They ( XXXX  XXXX ) further said they have no other department to 'manually ' re- report my entire acct and history to Experian. and suggested I call experian back.

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 2021-10-04
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:
late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX capital one, XX/XX/XXXX XXXX XXXX XX/XX/XXXX capital one XX/XX/XXXX unknow creditor inquiry XX/XX/XXXX capital one XXXX XX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2021-10-16
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:
I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXXXXXX XX/XX/22

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 2022-04-27
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A tax payment was taken out of escrow in XX/XX/ 2022 when it was not supposed to as this payment came from the title company after closing. The city continues to report they never received the payment. No one at New Rez can tell us if this payment was received and/or cashed. We have made multiple requests to New Rez to resolve the issue and no further information can be given to us other than they are working on it. We have contacted the city on multiple occasions and they report no payment was received and no one from New Rez has contacted them about trying to resolve the issue. It is impossible to speak to anyone in the tax department at New Rez and customer service is unable to give us any information regarding what steps are being taken to resolve the issue. We are getting concerned and really need the money back in our escrow. Any help would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23
Company: Experian Information Solutions 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:
EXPERIAN ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELOW IS TH THE INFORMATION OF THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX   XXXX XXXX : XXXX No : XXXX Date opened : XX/XX/2014 Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: ALLY FINANCIAL INC.
State: AZ
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:
Following a totalled vehicle ( XXXX XXXX XXXX  ) claim paid by XXXX   XXXX  on XX/XX/XXXX, gap insurance company failed to complete processing of the remaining balance ( {$3700.00} ) with auto loan company ( Ally Financial Acct # XXXX ). While attempting to secure a mortgage in XX/XX/XXXX I discovered that the account had not been resolved resulting in two slow pays in XXXX ( a 30 and a 60 day ). This was after no contact or attempts to collect the remaining balance of the loan to my knowledge, including no additional monthly payments, from XX/XX/XXXX. I contacted them in XX/XX/XXXX and was able to complete follow up and secure payment from GAP insurance claim ( policy number XXXX ) even though original company ( XXXX XXXX ) had turned the claim over to XXXX. When the funds ( {$2700.00} ), from gap ) were received by Ally in XXXX ( XXXX ) of XXXX, Ally refused to removed slow pays from account basically saying it was not their problem so they would not work with me even after additional review. In addition there were several confusing financial adjustments ( attached in Ally account summary ) on the day that payment was processed from 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 2022-04-27
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Rocket Mortgage. I was quoted a 5.375 over the phone. When I received my disclosure it was clear he had bought down points without me asking and he was trying to be competitive and rolled those into my loan. He ran my credit therefore making an inquiry. 

When I spoke to XXXX XXXX XXXX XXXX he was very dismissive. He noted he had been doing this for 15 years and it was perfectly legal to do so. 

his quota isnt my problem and it clear they are putting themselves before the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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:
chexsystem is incorrectly reporting a XXXX XXXX that I owe XXXX XXXX {$840.00} and that this account was closed and reported on XX/XX/2019. 
This account has been PAID of and there is no money owed to XXXX XXXX..this needs to be corrected immediatley.

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 2017-11-15
Company: Army and Air Force Exchange Service
State: AP
Product: Credit card or prepaid card
Sub-product: Store credit 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,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. 

XX/XX/XXXX noticed I was over charged and called to dispute three over charged. 

XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. 
XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. 

Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. 

Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. 

Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. 

Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights.

15 u.s.c 1681 section 602 states I have the right to privacy.

15 u.s.c 1681 section 604A 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 non-monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NC
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 is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX  and, XX/XX/XXXX XXXX Equifax XXXX. The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 Section 602 A . States 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. 

I have provided XXXX, TransUnion, and XXXX with a copy of my identity theft report.

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 2022-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporter act XXXX  account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX  account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your 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 2020-10-08
Company: Orion Capital Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harassment from Orion Debt Collection This complaint is about violation of my rights as a California resident. Orion Capital Solutions, LLC. violated my right to request calls not to be made during my work hours. Nevertheless, I was harassed over the duration of the phone call  by the representative, going by the name, XXXX. 

I received a call from XXXX on XX/XX/XXXX suggesting that I call back about regarding my address. I followed up with a call and left a message that same day. 

XXXX called back on XX/XX/XXXX and reviewed a claim from XXXX XXXX XXXX ( an unsecured loan ) that was taken back in XX/XX/XXXX. I told her that I spoke with someone 3 months prior about the loan being paid. the loan was {$2500.00} and the amount paid was over {$5000.00} nevertheless I had a processed bankruptcy file at that time and I included that loan. XXXX continued to persist with information but as I told her the information I provided to the previous XXXX XXXX XXXX Rep, she told me that she could not hear me so she continued to talk over me. XXXX mocked me for not having paperwork from the company XXXX XXXX XXXX but I told her all correspondence I received came from the website. To my knowledge, the loan was closed as of XX/XX/XXXX. 

The problem I have was, Although XXXX continued to talk over me, I suggested she email the information. XXXX then fires back sarcastically that they tried that before and was telling me that I was refusing to work with the collection agency. I reconfirmed that I never received an email from this agency. XXXX continued to harass me over the phone while I told her that she was calling me during my work hours and I did not appreciate her harassment nor the way she was conducting the call. Not once did she consider my request that she was calling during my work hours but she continued to tell me that she had a right to call me at any time. I have XXXX XXXX XXXX and started to have a XXXX XXXX due to the harassing suggestions from XXXX. Nevertheless, she told me that she could not hang up the phone as she continued to tell me that can call me anytime. After I mentioned that I was recording the time she stayed on my phone to harass me, she finally hung up. 

The complaint is about Orion Capital Solutions, LLC and the customer care rep., XXXX. I do not deserve this type of treatment especially since I had the understanding that this credit was resolved based on previous conversation with a rep from that company. I am a resident in California and my rights were violated by Orion Capital Solutions, LLC.

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