BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-18
Company: SYNCHRONY FINANCIAL
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:
XXXX/XXXX  XXXX they reported to the credit companies that this account was mine, I never had this account and I request that they show a actual consumer contract with my signature or remove completely the account looks to be paid off not be me. I filed with the XXXX and to this day have not received anything that they claimed to mail twice. thinking that this account is paid off it must be a waste of time to respond I do not have any account old or new with XXXX XXXX remove completely from my credit reports forever enclosed is the information from the XXXX   but this dispute started long before that date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: Rocket Mortgage, LLC
State: AL
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 financed my house with Quicken Loans and Allowed them to run my credit twice yet I have 8 credit inquiries from this company disguised as other companies such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and as XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While the dates in XX/XX/XXXX I admit to because I was trying to buy a house and, XX/XX/XXXX when i let them check it for a refinance opportunity, the rest were not authorized. I spoke with them regarding this situation multiple times and was told that even though they have no proof that i gave them permission to run my credit that they would not remove the inquiries because they didn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide assistance

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 2018-08-18
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:
On XX/XX/XXXX my credit was pulled without my authorization from the company XXXX XXXX. They acknowledged this and sent a letter to all 3 credit bureaus. XXXX and XXXX removed the credit inquiry yet Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Easy Finance, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
These were suppose to be no credit check and was not suppose to effect my creditand the pre qualification was not suppose to effect my credit score either. Company ended up just hang up on my 3 times when I called. 



XXXX  XXXX, DE XXXX ( XXXX ) XXXX Institution Information Easyfinance XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, Equifax, XXXX   and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX  was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
I come to you with this formal complaint in that I am not aware of this debt all together I do not recall taking out a 2nd mortgage. Nor signing for any documents pertaining to a 2nd mortgage on my home. I am requesting that this debt be validated. I am asking for your help to validate this debt. The lender will not furnish any proof of this debt though they have it attached to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, INC.
State: OH
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 a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any  and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, INC.
State: HI
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:
XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im owe a debt to American Express, Im have being unemployed since XX/XX/2019. But Im paying them a monthly payment of XXXX a month. I have repeatedly told them that is all I can pay but they keep calling me repeatedly trying to set up a different plan. Asking me about who is supporting me and why cant they give me more money to help with this debt. I find this unusual because Im paying off three other  card with payment of XXXX a month, and has never been harassed by them. Instead they send me a monthly statement of how much I have payed and what my balance is. This has gotten out of hand to point that I will not answer my phone if your number is not in my contacts list. Looking for some much need help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX  using XXXX   XXXX  as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.

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 2018-08-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan through Wells Fargo. OnXX/XX/2018 I called to make a payment on the principal in the ammount of {$2000.00}. I was very clear how I wanted it all to go towards principal. When I checked my online account 2 days later I saw that only XXXX was taken off the principal and the difference went towards future payments and that I didn't have any payments due for three months.

I called and complained that the last person I spoke with must have done this on purpose as to how clear I was and how she even repeated it back to me. The new person on the phone apologised and reversed the payment to be done correctly. But even still she asked if I was sure if I wanted all of it to give towards principal and not put a little towards my next payment. So here again is a systemic problem in Wells I asked to be transferred to a supervisor, supervisor said the original person did apply correctly, there is just a turn around time for it to reflect on my account. I don't believe this. Why then does my account now say the payment was applied incorrectly?

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 monetary relief
Consumer complaint received 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I also have unauthorized credit inquiries on my credit file that I never initiated. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify 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 non-monetary relief
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. XXXX   and TransUnion merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.

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 2018-08-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my Equifax report of {$98.00} that should not be on my report because it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have water damage in my home XXXX I called XXXX they put my family and I up in a hotel, I was in the beginning of the COIVID 19. 
XXXX send a check to have my kitchen and wash area redone we have no running water.. everyone in my household was out of work. 
XXXX send a check out immediately. The check was endorsed with my name and shell point mortgage name. I reached out to shell point mortgage, they informed me to endorsed the check and send it to them. This was back on for XX/XX/2020. Since this incident I been going back and forth with Shellpoint Mortgage, still no check ... we had to pay out of pocket to get our home fixed,, we sent numerous pictures regarding this still no funds.. XXXX did their part they was extremely wonderful and very helpful dont want this world crisis ( COVID-19 ) .. today is XX/XX/2020. Still waiting on shell point to send a check that XXXX already provided.. Shell XXXX is a horrible company they dont take pride in their customers very rude and not easy to work with. I get the E for services if you can help me with this matter I greatly appreciate it XXXX XXXX XXXX XXXX XXXX I completed the work in my home ourselves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
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:
I have contacted Experian for the past 6 months about the 2 fraudulent Bk 's on my credit. I have reported the fraud to the FTC and provided Experian with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the fraudulent accounts remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX Experian Report Number 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 2018-08-19
Company: Experian Information Solutions Inc.
State: NJ
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/2018, I sent certified letter to Experian Credit Bureau due to unknown and unvalidated credit accounts. I received a Dispute Results dated XX/XX/18 stating the investigation was complete. However, the information remained the same. I sent a second certified letter on XX/XX/2018 requesting the documents that were used to verify these accounts and the name of the person who verified these accounts. I received a Dispute Results dated XX/XX/18 once again stating the investigation was complete but no supporting documents. The accounts in question are from Creditors : XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2018-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX there was a deposit made in person to the amount of {$4600.00} to Bank of America ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ). IMAGE # 1 : Copy of the list of checks and total. IMAGE # 2 : deposit slip of the amount deposited. When I checked my account online, there was an adjustment of {$1400.00} from the total amount deposited on XX/XX/XXXX and I was only credited {$3200.00} for my deposit with an error message.Due to this adjustment, I am missing {$1400.00} from my checking bank account. IMAGE # 3 : error message and the deposit adjustment.

Since this issue occurred, I have talked to three different Bank of America Financial Advisers/Managers, and later contacted the Bank of America Research Department to try to find the missing checks. The Bank of America Research Department stated they can not do a proper investigation because they do not have any images of the checks deposited on XX/XX/XXXX. My last contact was on XX/XX/XXXX with XXXX XXXX, Financial Center Operations Manager. I was only told my checks were missing and later found. As a result, they can not find images of the checks deposited because the checks were not scanned in properly. She stated that the checked should have been scanned into their system before they are reviewed for deposit. Mrs. XXXX was not able to come to a resolution and declined to take any responsibility for mishandling my checks.

I have my Business Checking account with Bank of America since XX/XX/XXXX when I opened my practice and I never had an issue regarding missing funds. I have always paid my Bank of America Credit Card balances in full and on time and have an overall pleasant experience with Bank of America. This is the first issue I have regarding missing funds. I am requesting the missing amount of {$1400.00} be deposited back into my 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 monetary relief
Consumer complaint received 2020-10-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I wrote out a balance transfer check for {$2500.00} that was deposited by the recipient on XX/XX/2020. I was charged {$2900.00} on my credit card account, plus the 5 % transfer fee which is now {$20.00} over. I have been in contact with Citi card multiple, multiple times ; I have been hung up on after being stuck on hold for long periods of time. I have a copy of the canceled check showing it was for {$2500.00}. I received that about two weeks ago. Every time I call, I keep getting the same answers - it's being investigated, 7-10 business days, 2-3 business days, investigation is open. Citi literally stole {$420.00} from me ; since they won't fix it, it's theft to me. I don't understand how this can't be resolved. If I have a copy of the canceled check, then THEY have a copy of the canceled check. I've seen many complaints on social media about very similar situations with Citi card, and some have been going through this for months!

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 monetary relief
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Submitted a complaint on one debt collector and they switched debt collectors. Now calling from XXXX XXXX. The debt is not mine. Have never had a debt with BOA. I have never acknowledged this debt.

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