BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and Transunion didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for Transunion and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

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 2019-07-13
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: Information is missing that should be on the report

Complaint:
I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, 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:
I have hard inquiries on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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: Personal information incorrect

Complaint:
I have already sent Experian a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.

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 2019-07-13
Company: EQUIFAX, 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:
I have already sent Equifax a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reached out to Equifax, XXXX, and XXXX to dispute inaccurate items from my report. I also submitted a FTC report because on both accounts that are reporting there is fraud due to the Equifax Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
A loan request was started with USAA. During the wait for closing date, i found a better interest rate which would assist me in the long run. I had paid for a VA appraisal with USAA, this cost me XXXX dollars. Now i am going with XXXX XXXX for financing and i have requested two different times for USAA to transfer my appraisal through the VA portal to the new lender. i a gave them the lender ID and contact information and nothing has happened. 

Could you somehow please help me with getting USAA to transfer My VA appraisal over to new 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 2019-07-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. Representative did not verify with me the information they have on file.

2. They refused to tell me WHO they were calling 3. Told me they would not look anything up until I have them my social security.

4. When I refused their fact-finding tone turned to abrasive ness 5. I told them that if they didnt verify what they were calling about I would consider their calls fraudulent.

6. Call from XXXX & XXXX ( XXXX XXXX FL area code where I have family ) Credence Resource Management 7. Its a call center in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.

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 2019-07-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2019 I applied to QL over the phone to refinance my mortgage. They determined the value of my home to be $ XXXX and charged me {$500.00} for an appraisal which I paid. A few days later an appraiser appraised my house at $ XXXX. QL contacted me and stated the appraisal came in under market value. According to QL since the appraisal was under $ XXXX I would now have to bring more money to the closing. I would have to bring $ XXXX more than the $ XXXX Good Faith Estimate. I cancelled the process and requested a refund of the {$500.00} appraisal fee. QL refused to refund the appraisal fee. QL didnt tell me verbally or otherwise that specific conditions were associated with a refinance appraisal in this particular situation so I did know the risk. I dont recall ever being notified that I could lose my appraisal fee if the appraisal came back under market value and I chose to cancel the refinance process. This is a loophole that is detrimental to the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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 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:
XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the XXXX XXXX XXXX dropped from XXXX to XXXX practically overnight. I've contacted Experian who is the credit bureau connected to the XXXX XXXX XXXX website and XXXX Customer Service then XXXX  XXXX  Specialist Unit and also the XXXX XXXX XXXX Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of XXXX points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, XXXX XXXX or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from XXXX and Experian and was told to ask a Licensed Credit Advisor. I'm on XXXX XXXX XXXX and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, 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 2019-07-13
Company: Experian Information Solutions 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:
I have contacted Experian & let them know that the account from XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information. I this is a fradugelent account & I have no idea who opened this account.

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 2020-06-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020. 
So this loan company calls. Tells me I can have a {$2000.00} loan. Covid has made me desperate for living expenses. All I need to do is take the {$800.00} he will deposit in my Wells Fargo account and return it to him. It's not my money, so it seemed correct. I gave him my account info so he could deposit. Just routing and acct number All of a sudden, there was {$800.00} in my bank. He wanted me to return the money back to him. Then, the trust factor is built and he will deposit the {$2000.00}. He, somehow, got by Wells Fargo 's shoddy security. He got access to my online account somehow. I later found out, that what he did in my account is file disputes on purchases I made, and some idiot Wells Fargo person put up an {$800.00} provisional credit. I thought it was his deposit to me. I have asked for provisional credit and never, ever was granted it. Is this an insude job? What kind of idiot at WF puts up an {$800.00} provisional credit from 8 different transactions? You can't do this without the aid of a banker. I got robbed of {$800.00} because of this person/idiot that set the credit. If that never would have happened, I never would have lost the money they pulled back and posted as available. They are responsible for the {$800.00}, they put up the credit for a thief. I knew I did not have {$800.00} in my acct. So, when it appeared, it had to be a deposit to me. So, I thought it was. They have sent letters and deny any wrong doing and refuse to help. I have documents from the phony loan company, phone numbers, text messages. It all seemed legit. These are professional felons, and I thought Wells Fargo had insurance for when they make huge security errors like this? I was robbed by a bank! Too big to care. I couldn't pay my rent, now facing possible eviction.

Certainly, there must be protection from banking institutions, we rely on these professionals to do their job.

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 2021-08-17
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from a federal credit that a account was frozen I Never opened then she told me to look up my account I see a lot of inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.

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 2021-04-08
Company: Insight Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The phone numbers listed have called me everyday, since XX/XX/XXXX. Sometimes every other day. I first received a phone call from XXXX and the individual stated " XXXX, do you plan on paying ''. They did not specify who they were or what the company was. That number called everyday, multiple times a day. I told them i paid my bill and to stop calling. Ever since then the XXXX number has called everyday. I told them I paid my bill and to stop calling. 

on XX/XX/XXXX i finally answered the phone and spoke to a guy who claimed I didn't pay a bill. We spoke for about 20-25 minutes and told me an amount that does not match up to any of my past purchases. I actually went to the company i made the purchase with and the " debt collector '' is asking for more than that amount. before the phone call ended he purposed an offer that was about 60 % off the debt. I told him id talk about this to my wife. He then called 2 times that same day and 2 times today ( XX/XX/XXXX ). 

" This is an attempt to collect a debt, and any information obtained will be used for that purpose '' was never recited to me during any of the conversations. I never got any letters. 

This purchase was made back in XXXX. I know we paid it but to be 100 % certain i have pulled all 3 credit reports and have contacted a handful of debt management companies and its not on any reports. I believe this is a scam and I would like this company to stop calling me, especially everyday multiple times a day. I was even threatened with him telling me its in legal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My {$43.00} payment to a Chase Visa account via my XXXX XXXX XXXX  bill pay service shows the transaction completed on XX/XX/2020 ( see documentation ). For some reason, the Chase account statement shows the payment on XX/XX/2020. There is also a {$27.00} late fee, and a {$70.00} minimum payment rather than the previous {$42.00} minimum payment ... with no significant balance increase ( see documentation ). 

I have contacted them by secure messaging, given them basically the same information as I am providing to you. I have not heard from them yet, as their website says it could take over a week for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2018-04-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All my accounts with Chase Card Services got shut down without prior notice. I attempted to use one of my cards with a credit line of about {$500.00} and the charge was declined. So I logged onto my account and discovered that all my accounts had been shut down. My credit score is excellent, I have credit history for over 30 years and my payment history is at 100 % positive. I find it hard to believe that I am a " credit risk '' that all my cards get shut down like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Home Point Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a serious problem partially caused by myself and homepoint financial, my mortgage holder. 
In the process of moving I neglected to change my direct deposit for one month. After calling and making the back payment on XX/XX/XXXX I also changed the direct withdrawal to my new account. This change to my new account was not done so homepoint tried to charge my old account. Immediately after This on XX/XX/XXXX I called to straighten it out and was told everything was fine my new payment method was set up again.

Two weeks later my account was again not charged and I was charged another late and overdraft fee. On XX/XX/XXXX I called and asked to make a payment. I was informed I could only pay via certified funds because of this mess of mistakes on their part. I told him that I travel for work and I was unable to. I was advised to pay using very expensive means such as XXXX XXXX or to apply for a deferment. Im not at all happy with homepoints treatment of me or them suggesting I fraudulently use a deferment program. I would like to be paid back for the time Ive had to deal with this, any fees I have had to pay and to be able to pay my mortgage in a way that is not such a burden. 

Dates of calls and employee ids XX/XX/XXXX XXXX. Payment made XX/XX/XXXX XXXX changed payment auto draft XX/XX/XXXX XXXX XXXX XXXX XXXX argued with them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NE
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, has violated my rights. 

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 a 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 2020-05-09
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS . 
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Purchased a Fridge and immediately tried to return the product and cancel the order before getting it. XXXX XXXX denied it and filed a claim with bank of america. Whom refused the claim aswell. This is NOT a product I ever wanted and I have tried to work with both of these companies who refuse to provide me with any service or work with me in anyway.

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 2021-05-09
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX  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