BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2020-10-28
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recall owing any amount that would be in collections with Rent Debt Automated. I have tried calling several times to get more information but I have not been able to reach anyone. I have not received any information validating this debt or itemized documentation proving that the amount Rent Debt is reflecting on my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an offer from Quicken Loans advertising to match or beat any mortgage loan offer, or the company would provide a {$250.00} Visa Gift Card. Quicken Loans refused to honor their advertisement. They provided a home loan estimate that was substantially inferior than a loan offer I received from XXXX XXXX, a rival home loan lender. I provided the competing estimate to several loan officers at Quicken loans, and was repeatedly informed that they would not match or beat the offer. At that point I was " passed around '' to several Quicken Loans employees who promised to provide the {$250.00} gift card, but never did. This was essentially a " bait and switch '' scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CITIBANK, N.A.
State: CA
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 was hospitalized on XX/XX/XXXX18 for a XXXX, I was in the hospital for 2 and half weeks. After getting out of the hospital I decided to take a vacation to  XXXX departing on XXXX-18 arriving XX/XX/2018 to visit relatives and friends, I purchased my ticket online through XXXX with extra protection and insurance in advance, I thought by then I'll be clear of all the follow up doctor visits and all the test/XXXX XXXX. On my follow visit to the doctor in XX/XX/XXXX I was told by my doctor that I was not allowed to travel on a plane till I was clear of all the doctor visits, tests/XXXX. On XX/XX/2018 I called the Air Line spoke to XXXX to cancel my flight, I was told that they had to review my case and will let me know what the outcome will be, I sent them all the necessary documents and a Doctors note stating that I was not fit to travel, after a couple of days I received an email from XXXX XXXX stating that I will not be refunded the money and that I needed to solve this issue with my Citi Visa Card. After I called Citi Visa XX/XX/2018 to resolved this issue with them after going back and forth for 5 months now, I emailed them all the necessary documents including the Doctors note that they requested, to this day XX/XX/2018 haven't had any success to get a refund for the amount of {$1200.00} plus all the late charge and interst fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my Credit and I notice Inquiries That I did Not Authorize

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 2020-12-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To : XXXX XXXX XXXX XXXX XXXX : You are claiming that I owe you {$260.00}. for the month of XX/XX/2020 for XXXX XXXX services. I do not owe you this money. Why do you keep saying that I owe this to the Credit Bureaus and to the collection agency " I. C. System? I do not have, and have not even had, XXXX XXXX XXXX XXXX XXXX services in over 7 years.

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 2023-04-26
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Credit Karma, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Credit Karma website suggested applying for credit with excellent and above advances to obtaining credit. Par their suggestions I applied for credit and was denied for two suggested credit beyond excellent. 

Denied with XXXX XXXX, and XXXX. When I called them and both companies, it was stated that both companies do not have contact or any working relationship with Credit Karma who is advertising their cards on their website. I told them it is not fair it a fair practice to lie or mislead persons into applying for credit and costing us credit points. 

I also told them they should put up disclaimers to warn customers not to apply in that this could affect their credit and a warning that they do not have the authority to make suggested marketing seeing as they do not and can not make professional recommendations that credit will be granted. 

They should not be using subliminal suggestions via website and the companies do not support their suggestive recommendations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.

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 2019-05-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prior to XX/XX/XXXX, I set up a deal with Commonwealth financial to pay a total of XXXX dollars to have the item considered paid in full. I have talked to many representatives with this company and this is what I was told, unless I was advised unser false pretenses. 

On XX/XX/XXXX, I paid the first payment of XXXX ( half ). I even have a receipt as proof of this payment. 

The amount owed is incorrect on my credit report. Commonwealth took out the amount paid from the total, but did not adjust the total to XXXX ( XXXX owed ). I feel this was not handled efficiently or accordingly. On XX/XX/XXXX, I am due for another payment, but am unable to do so until this issue is corrected on my credit report. 

I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX  XXXX/ XXXX - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I Buy a service to XXXX XXXX through My Bank debit card of Bank of America, XXXX  XXXX Didnt bring me the service that i bought, so i call the Airline and they didnt solve me nothing so i calles Bank of America and start a Investigation for that transaction, the representative who attended me va phone call told me that in the next 24 max 48 hours the Bank Was going to Put in my account a temporary credit while the investigation is complete, after 48 hours i called again to Bank of America and the representative told me that in the next day ( 3 ) Days the temporary credit was going to be my account, today is the five days i called again today to the bank and told me that my temporary credit can not be placed until after 10 days because my account is a New account, my complaint is for false information to the client from Bank of America, if they dont place temporary credits before 10 days to News accounts, why the firts representative cheat me saying me that my temporary credit was going to be accredited in 24-48 hours, and why the Second representative told me that my temporary credit was going to be accredited in the next day? And the third representative told me something completly diferent to what the firts two representatives told me? Diffusion of false information? Cheating the client? Manipulation of policies for the convenience of the bank? I want that my problem be resolved now, that the XXXX XXXX  return my money, the bank make firts word that gave me when the investigation began, and compensation too for this horrible moment what happened to me and the credibility that i had with Bank of America.

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 2019-08-20
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never authorized deferment or have made a payment for any private loans since 2008. On my credit report it says I have from Navient asking for deferment for Private loans. I have Federal Loans that are in deferment through the DTR but never have authorized for private loan deferment.    I have email communication from Navient asking for federal, but never private loans.    I know Navient is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the Debt Collective and have contacted the XXXX XXXX that are heading up the lawsuits against XXXX XXXX and Navient.These loans are past the statute of limitations for collections from a school that was shut down for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Tuesday, XX/XX/XXXX I was notified by US Bank that they could not approve my loan ( after receiving a prequel letter and being 2 weeks into escrow on a purchase ). They said my credit score was too low for their additional underwriting guidelines which were more conservative than FHA. I immediately secured lending from a different institution and, on Wednesday XX/XX/XXXX asked US Bank ( loan number XXXX ) to release my FHA Case number ( XXXX ) to my new lender, XXXX XXXX XXXX ( Lender ID XXXX ). I was informed my US Bank that they submitted the request to release the case and the appraisal but this still has not been completed. I am 2 weeks away from closing on my new home and US Bank is holding up my new lender from moving forward. I may have significant financial losses ( {$5000.00} ) if US Bank continues to hold up the release and transfer of my FHA Case and appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX  ( XXXX ) 8. 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 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have Identity Theft. And I was going to report that to Capital One, when I noticed a few of my payments didn't go through. When U called the recording said they suspect Fraudulent Activity. I was on hold for 45 min for someone to tell me they closed my account. I called 4 more times to only be put on hold when I asked for a supervisor. They never took any information from me. Including police report..etc. never never investigated my Fraudulent Activity!! Closed my account and reported to my credit report

Company response to consumer: Closed with explanation