BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted loan application for a second home on XX/XX/XXXX. An interest rate of 3.375 /  20 % down / 30 year fixed was locked in XXXX XX/XX/XXXX received questions on it being a second home vs. an Investment Property. Sent Letter of Explanation of property being a second home. Between XX/XX/XXXX to XX/XX/XXXX. Multiple needs lists were sent ( nothing to do with it being an Investment Property vs. Second Home ). I was communicated to multiple times that a conditional approval was coming. The appraisal was completed on the property by a BofA Appraiser. I was requested to have my CPA draft a letter allowing the use of business funds for downpayment. I paid my CPA to have that letter drafted. I then spent 20-30 + hours of work on putting together all of their needs requests and completing all the items requested. 

On XX/XX/XXXX. I received another set of questions on the home being a second home vs. an investment property. This is home is a second home and being rented for short terms rentals to the published guidelines of Bank of America. I drafted a very long letter and included our history with the city of this area. On XX/XX/XXXX I received a call from the Loan Officer stating that the underwriter will not write this as a Second Home and I would be required to submit it as an investment property at a mortgage rate of 4.75 % and 25 % down. This is two days prior to when we were supposed to close escrow and over six weeks after starting application. This put me at significant risk to fall out of escrow. Two days later I received an email that BofA would write this as a Second Home ; I asked for the conditional approval with any final needs list and never received a response. 

I had to quickly get new applications in to other banks. I ran two other banks through this process. Both banks were able to take me from application to conditional approval ( just needing the appraisal ) within one week. Something I spent over six weeks working on with BofA. Both were able to get me the conditional approval before the appraisal was started. They both were able to do the loan as a Second Home. Due to the rush of having to get this application through and the mortgage increasing. I ended up with a 3.9 % rate. I knew the rates were going to go up ; which is why I wanted to lock my rate back in XXXX of XXXX. Your best rates are always on the purchase. I have lost the best rate advantage having to refinance later when rates are lower.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed 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 2022-09-13
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving debt collection notices from XXXX XXXX XXXX for items that were paid. I even paid for two items twice. I called numerous times and send in my payment information. I received a notice back thanking me for doing the work to look up payments but that I still owed the money!! This is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
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. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. 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 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 three negative credit items outstanding debt now. 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 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 myXX/XX/XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Comenity Capitol Bank card was opened in my name XX/XX/XXXX and maxed out apparently. I called Comenity imidietly some time in mid Novemver to early XX/XX/XXXX, when I received a bill stating that I was one past due and I owed over {$10000.00}. The representative I had spoken to at that time said that they would take care of it and that there would be an investigation. I waited to hear back and there was nothing. I had called in XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX but there were no updates on this. I received a bill in XXXX of XXXX same thing saying I was past due and now balance was over {$12000.00}. Again I explained the same things as before to each representative that it wasn't mine, I didn't even have a clue about it and how is it okay that people just get bills for something that one isn't theirs and now are required to pay. At this point I had submitted another report for identity theft because I didn't know what else to do. Here I am getting sick physically over this account that I didn't open and now has been charged off and sent to collections. Not only has this effected my physical health and mental health but has also caused issues with my significant other. I have never been late on paying any of my stuff. I had to get a third party company to help me investigation this issue and sure enough someone used my personal information to open this account and a couple others all within the same time. With a address in the state of Indiana. I have never even been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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:
Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : 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 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 2022-09-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S.C 16 & 1 section 602 A. states I have the right to privacy 15 U.S.C 16 & 1 section 604 A section " ; 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 2020-02-28
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:
I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine 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 XXXXXXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Money was taking off my card and I been waiting for this money for at least like 3 weeks someone told me I was getting the money back then I talked to someone again and they said Im not getting the money they took from me it was denied sent me a letter saying that my account will remain overdrawn and I opt out of overdrafts then 2 days later someone sent me another letter out saying they credited money into my account which I never received and I been calling everyday for days straight

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: Northland Group Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i try to pay XXXX for this and they refuse, i dont old that much, and they never toll me i can dispute this charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
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: Personal information incorrect

Complaint:
i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, EQUIFAX, AND XXXX ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: DC
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:
On XXXX, XXXX, 2021, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. On XXXX XXXX, 2021, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of XXXX points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.

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 2022-09-13
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CASH CARD ( XXXX ) CLAIM AMOUNT : {$1.00}, XXXX On XX/XX/22 i reported to CASH APP, I found out in my CASH APP account had : _ 9 unauthorized transaction ( documents included ) On XX/XX/22 CASH CARD denied my dispute claim # XXXX with reason " card present purchase '. After review the statement i found out more 7 unrecognized transaction on this list : XX/XX/22 : {$49.00} XXXX/XXXX22 : {$28.00} XX/XX/22 : {$75.00} XX/XX/22 : {$110.00} XX/XX/22 : {$19.00} XX/XX/22 : {$39.00} XX/XX/22 : {$180.00} ( not received package ) XX/XX/22 : {$180.00} ( double charged ) On XX/XX/22 i have XXXX and have to stay in hospital  XXXX from XX/XX/22 to XX/XX/22 ( have hospital  record included ). 
i am writing to dispute a fraudulent ( {$130000.00} fraud transaction on my debit card number XXXX ). i am a victim of identity theft, and did not make all transaction from XX/XX/22 to XX/XX/22 because i am in hospital at that time. 
One more thing, why cash app deactivate my card with no reason????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/XXXX i book a hotel and paid with my XXXX XXXX  card, i call the hotel to cancel, res was made XXXX : ..XXXX  and cancel XXXX 3 hrs later. It was well within their cancellation policy, The hotel even said if it was cancel within 24 hrs they honor it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Problem with personal statement of dispute

Complaint:
I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was reviewing Experien, and noticed that they had false information about my credit history. I had previously attempted several times to get this corrected. They have an automated system which does not allow for proper explanations and they refused to take my complaint because it involves XXXX XXXX XXXX and they must have a special arrangement - Experien indicated that my unresolved complaint could not be filed because I had filed it previously, although it remains unresolved. 

Experien would not allow me to use the wording, which suggests that they manipulate complaints to the favor of those committing crimes and injustices. 

The Credit Bureau process itself is a bureaucratic process to eliminate complain ts into a void of criminal activity protected by bureauracracy.

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