BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, I discussed with our loan officer at XXXX  ( XXXX XXXX XXXX XXXX XXXX ) that " locking the rate '' wasn't actually locking a specific rate but rather a " rate sheet '' that is a combination of rates that you can get with points. She confirmed that in an email that same day. After the email, I called her to tell her that I'd like to lock the rate sheet but that later that evening I'd be discussing which combination of rate-points we wanted to go with from the rate sheet. I confirmed that to lock the point I needed to give her my payment info to order an appraisal, which I did on the call. 

Later that night, as committed, my wife and I decided which rate combo we wanted and I emailed the loan officer. The rate combination was XXXX % by paying {$10000.00} in points. 

On XX/XX/2023, the loan officer told us she locked the rate but that the points were now {$13000.00} because she did not lock the loan yesterday. I tried to have her honor the commitment from XX/XX/XXXX but she asserted that I never told her to lock the rate. She said it was in a recorded call but refused to share that call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Transunion did not investigate my issue either time I filed a dispute. 

My last dispute was submitted on XX/XX/21 and received notification on XX/XX/21 that the investigation was complete. I am due a fair and proper investigation. 

If investigated as it should be, you will find that Transunion did NOT verify a bankruptcy thats reflected on my credit report. 

Their original notification indicated that the US Northern Bankruptcy Court was the source and it was verified through the court. 

I have documentation ( provided to Transunion ) indicating that the bankruptcy court does NOT verify bankruptcies. 

This information was illegally placed on my credit report as no information was verified. It is illegal to place items on a credit report without verifying the information first.

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX  XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019

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 2023-02-08
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received multiple notifications of a debt via phone call on or about XX/XX/XXXX for approximately {$1400.00}. This bill was for my son XXXX XXXX, for services rendered from XXXX XXXX XXXX XXXX. These calls were sent from a third party debt collector XXXX XXXX XXXX. 

My wife and I attempted to reconcile this alleged debt with Tri-Care insurance and XXXX. After the third attempt to collect, I corresponded with XXXX XXXX of XXXX XXXX XXXX, specifically requesting verification of my debt in accordance with The Fair Debt Collection Practices Act. 

He sent a " bill '' indicating that I owed " XXXX. '' Upon receipt of this document, I called XXXX XXXX to discuss. This conversation occurred XXXX XX/XX/XXXX. He, like I, had the same impression that nothing was owed. He alerted me he would be resolving the issue on his end and assured me it would be taken care of. 

On XXXX XX/XX/XXXX, XXXX XXXX sent me another message. This time he alerted me ( without a verification of debt ) that the alleged amount was valid and I should discuss the issue with XXXX XXXX. 

Please keep in mind, I have not received a verification of debt. memorialized in an email correspondence chain originated from my XXXX XXXX XXXX email. I will attempt to attach it to this complaint and have it ready to furnish if/when desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
XXXX XXXX XXXX XXXX XXXX This account does not belong to me and should be removed from my credit report immediately.

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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/XXXX I submitted a credit card application with Capital One. To further process the application credit one asked me to send them more information. I did not receive this request. Once the window for application closed I was apparently informed that because I did not send the required information the application can not be further processed and the application will no longer proceed with processing and will be terminated, effectively terminating the application. 

On XX/XX/XXXX after I went into a Capital one bank to submit a new application. It was immediately declined because 'Based on your application information, there is currently a pending or recently processed application with Capital One. 

I phoned Capital one and informed them of the discrepancy. Capital One denied assisting in the problem. I asked to be put to the complaints department and they told me they could not do so, the gentleman XXXX told me there was no complaints department, he was the the person who complaints went to and then terminated my call. 

I am requesting that any and all hard enquiries of both circumstances be removed as a result of their broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Personal information incorrect

Complaint:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not 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 explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

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 2022-12-02
Company: Experian Information Solutions 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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-10-12
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in 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 non-monetary relief
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I am still trying to recover my money from Capital One, I've been a customer of theirs for years but they allowed a fraud to occur even after XXXX tried to stop it. I'm out {$2700.00} and this company does not care. 

I paid a seller on XXXX app with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX XXXX  I paid {$2700.00} for. XXXX put a hold on the funds, while they investigate. I got impatient and scared, reached out to capital one for help. They denied my dispute and had XXXX release my money to the scammer. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} because they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer. 

I need capital one to reach out to me and resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We filed a claim with our insurance company for hail damage to our property & the insurance checks were mailed to our home, made out to myself & Chase. I physically took the checks to the Chase Bank to turn over to them. Initial funds of {$40000.00} were released for us to begin repairs. On Wednesday, XX/XX/2023, an inspector contracted by Chase came to our property to do an inspection. An inspection was completed ( with photos ), and my husband, XXXX XXXX, signed off on the inspection report. The inspection was submitted to Chase at 100 % complete. After FIVE days of dealing with Chase via phone to resolve the release of the funds to pay for repairs, I was told that the file was " referred to corporate for further review for being non-responsive ''. I was initially told that once the repairs were completed, to call for the inspection. Chase is insisting that they sent out letters to which there was no response, yet Chase now has an inspection report, filed by their inspector, and I have talked to the Mortgage Claims department several times, but I was told that they are currently holding the funds because we were " non-responsive ''. I have now spent the XXXX day trying to resolve this issue through numerous phone calls. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-30
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX Balance Owed : {$52000.00} XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} 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 2019-10-31
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
US BANK Lease I always use the US Bank Automated payment system to make my payment. 

In the early part of the lease, I miss-typed my bank account number and a payment was rejected. 

I noticed that my account was not debited so I made the payment at that time. 

Every time I call in to make my payment, it only says the regular payment is due. 

When requesting a payoff last week, I found out that over {$600.00} in fees have been assessed to my account. 

US Bank has not returned my call to inform me if they are willing to reverse any of the fees assessed. 

The payment due on the automated system should say what is actually due. Had I known this was an issue, I would not have let this continue over the years. 

Any assistance you can offer is appreciated. Thank you

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