BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2021-07-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
FYI I apply for per paid card and was mislead that I was approved for the prepaid card this should not be allowed. Just bringing this to your attention because many of the Banks and Credit Cards are misleading me and others and using the review as hard view on Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Investigation took more than 30 days

Complaint:
XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Capital one/Walmart XXXX XXXX XXXX XXXX XXXX, UT XXXX USA I have two of the same name and right there is inaccurate reporting in my credit report Amount is XXXX 2. Is for XXXX I know right there is fraud because u cant have two cards by the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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: Account status incorrect

Complaint:
Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of XXXX for a negative account reporting as well as the accuracy of the information of the account being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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:
XXXX XXXX XXXX TransUnion hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.

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 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XX/XX/2021 RE : Bank of America Home Loan Account Number XXXX Request : Extension of Mortgage Forbearance After XX/XX/2021 TO : Bank of America Home Loans XXXX CFPB Office of the Special Inspector General For Pandemic Recovery All, I have requested an extension on my mortgage forbearance expiring XX/XX/2021 three times now and have been refused. XX/XX/2021 will end an initial 6 month forbearance. I have an FHA loan. I have continued need for an additional 6 months forbearance due to ongoing financial challenges resulting from the Covid-19 Pandemic. Per Bank of America published criteria on asking for forbearance, a mortgage customer may ask for additional forbearance within 3 months of the expiration of the initial due date. My request for forbearance has been repeatedly denied. 
Also, I have NO PENDING LITIGATION around my Bank of America home loan mortgage. I do not have an attorney representing me for any litigation involving my mortgage or forbearance. This is the reason when XXXX ( Bank of Americas legal representation ) responds to my many CFPB complaints, there are not any other entities included in their response. I have explained this numerous times to BofA customer support who refuses to speak with me due to a flag on my account stating I have pending litigation. I have also sent BofA numerous faxes and letters stating the same.

My mortgage was included in my Chapter XXXX bankruptcy stay, however, the bky was discharged and BofA asked for a Relief of Automatic Stay, so BofA is well aware I no longer have any legal representation around my Chapter XXXX claim. 
As a 4th request : Bank of America, please extend my mortgage forbearance for an added 6 months as I am allowed by the CARES ACT. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-08-27
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Professional Bureau of Collections of Maryland is abusive in their tactics of making sure I can never sign up for the debt forgiveness program. 

I believe they are blocking me from getting into the program currently available to rehablilitate my debt without having to make payments. This is a limited time program due to COVID and they are blocking me from being able to participate. 

I have completed all the documents according to what was requested, however, they refuse to submit these in good faith. They always come back and say I have to do something else or they lose my documents. 

This has been going on since XX/XX/2019. I call them every week and speak to different reps and managers and I am still not anywhere close to getting out of default. 

Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: PA
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. Regarding alleged account # XXXX, XXXX and XXXX 15 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. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

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 2021-02-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to XXXX XXXX Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my XXXX XXXX. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.

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 2020-07-07
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 belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for an FHA mortgage on Rocket Mortgages website and when it was submitted, I was directed to chat or call a representative. After speaking with a member if their company, I was told we didnt qualify for an FHA mortgage loan because my FICO was XXXX. The credit letter i received from Quicken Loan, their parent company showed me with a FICO of XXXX and my spouse was a XXXX. Those FICO scores would qualify us for an FHA mortgage. I confirmed these scores with another lender. I got a ding on my credit report, no mortgage and the company did nothing to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged unjustified/random fees at least three times in the last month by Citibank. They have charged me for a returned check, but I have not written any checks in the last 6 months. They have charged me with overdrawn fees multiple times when my account balance was in fact not negative. When trying to resolve these fees with them they only refunded a part of the unjust fees.

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 2018-04-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has just a few days ago on my XXXX  credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am demanding Chase bank to give me all transactions in XXXX that I made for {$1600.00}. I need the location, time, how made, merchant if any of all transactions for XXXX in XXXXIf there isn't any well that's ok but I need either one in writing. So what I should receive are transactions of XXXX on paper or email or a letter stating that there is no transaction for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Mr. Cooper Group Inc.
State: MS
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:
NAtionstar are deceptive in practices that resulted in financial harm, alleged compliance violations with abusive mortgage servicing practices, violated the law by increasing permanently modified monthly loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I reported several accounts, mostly credit card accounts, that were reporting on my credit report as fraudulent accounts to XXXX, XXXX and XXXX XXXX because the accounts were not applied or used for myself. 
I suspected an identity theft, and requested all accounts that were involved with identity theft to be removed from my credit report. 
Also, I requested a validation of involved accounts to see how, when and where these accounts were created. 
XXXX and XXXX successfully made a decision that all accounts were fraudulent and removed them from my credit report. But XXXX is continuing to post accounts from CITICARDS, and I did not receive any explanation why these accounts were being posted. Not only explanation was not provided, but I did not receive any solid proof that I am the person who made these accounts. 
XXXX is in clear violation of FCRA. Disputed accounts must go through vigorous validation process that the process and the proof of the validation and verification must be shared with the consumer. 

CITICARDS CBNA XXXX CITICARDS CBNA XXXX Above listed accounts are fraudulent accounts that are still being reported on my credit 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 2021-02-08
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
My Name is XXXX XXXX I was diagnosed with positive XXXX XXXX And just one time I was late for my Payment to XXXX  credit card Now bcz of that it effect my credit score and now I can not lower my mortgage payment and can't refinace It's national pandemic they can remove late reporting to my credit reporting so I will be able go normal and lower my monthly payments to be able to survive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Conn's, Inc.
State: MS
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:
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, Violation Charge APR fees monthly after statement date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SCA Collections, Inc.
State: SC
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2021-02-08
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several years ago, when I resided in the State of New York, I opened two certificate of deposit accounts and one IRA account with TD Bank. I now reside in XXXX, Illinois and would like to deposit the funds with another financial institution. I called the generic TD Bank customer service number to close the accounts and after speaking with several individuals I was instructed to call the XXXX XXXX, New Jersey branch. The accounts were opened in XXXX XXXX. I called the XXXX XXXX branch manager and she told me that the only way I can close the accounts is to send the certificate of deposit documents to her or to physically appear in the branch. Unfortunately, I can no longer locate the certificate of deposit documents because of the length of time that has transpired since the accounts were opened and because of several intervening moves. I asked if there is any way to close the accounts without providing the documents or physically appearing in the branch and she said no. The nearest TD Bank branch is several hundred miles from XXXX. I asked if I could appear in a nearby TD XXXX branch and was told no. This imposes an unnecessary and overly burdensome requirement on me the customer, especially with the COVID related travel limitations. I find it ironic that I can close on a far more complicated real estate transaction on a remote basis but I can not withdraw my funds from TD Bank. I have not had this problem with any other financial institution. Any assistance that you can provide to enable me to secure my money from TD Bank will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were approved for a mortgage forbearance plan for XXXX XXXX payments, due to Covid. We started making payments again on XX/XX/XXXX and have made every payment since. Starting in mid-XXXX we were in contact with Dovenmuehle regarding the re-payment plan, and we chose the option to add those 3 payments to the end of our loan. They said they would send us paperwork. We did not receive it so we called back in XXXX and they said they had no record of the above conversation, and again they said they would send the paperwork. This happened 2 more times - we never received the paperwork to add the payments to the end of our loan and they began putting negative marks on our credit. They then on XXXX suddenly sold our mortgage to another company without mention of any forbearance to them - XXXX XXXX was in the dark and they just thought we had not been making payments. What Dovenmuehle did was, they took the 3 payments for XXXX and applied them to XXXX so it just looked like we were constantly 3 months behind. The new mortgage company was finally able to resolve it by putting us on forbearance again for 1 day to push these payments to the end of the loan. Dovenmuehle needs to fix any and all negative marks against our credit. The attached letter from them dated XXXX, was not received by us until after they sold our mortgage in XXXX. This was illegal according to the CARES Act of 2020. This company needs to be fined and we need to be compensated for the financial stress their negative credit marks have put upon us.

Company response to consumer: Closed with explanation