BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage banker has completely blown off contacting or dealing with my loan after failing to give correct information and details about approval, loan, appraisal. Was quick to get the loan approved and take my payment and there after said a third party needs to review now due to him overlooking converting to another FHA loan. Said no one has been assigned and could not give a date on when I'd be contacted. The day I applied for loan it was call after call after call to get documents and money available to close and paid for the appraiser and now nothing. After I said I'd like to cancel the application seeing he could not give me any info and he told me the appraisal wasn't scheduled until XX/XX/2020 he said someone will contact me and nothing else can be done. Not more than two hours later an appraisal quote comes back so the money can not he refunded. How does this make sense. Still have no idea and no contact of what's being done with the loan. Already took a credit hit and signed purchase agreement on a loan I was told " you have to trust me. I do this all the time and there's no reason this loan is not going through ''. Contact quicken loans customer support to speak about the loan further and no one is willing to pass my case along. This is a scam and this point and all they look to do is take your money and blow you off. How do you approve someone in minutes. Run credit. Review credit. Charge me hundreds of dollars go MIA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo bank date opened XXXX XXXX amount {$210.00} this account is not mine I am not responsible for this debt. I have called emailed and faxed my driving license social security card to credit bureaus and Wells Fargo they said they will delete it and it still has not been deleted

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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Finance System of Richmond, Inc.
State: MS
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:
My score dropped 62 points once finance says reported information. My credit score should have not dropped that many points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
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:
There is a wrong address on my personal file. Which I had contacted Equifax to have removed back in XX/XX/XXXX. The address is XXXX XXXX XXXX, XXXX, OH XXXX I have never lived there at all. I would appreciate it to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went on free credit report to get my credit score and it was brought to my attention that there is a mortgage loan on my credit and school debt now I've never took out a loan from these company 's this is the first time I have ever had to go thru this so I dont really know how to fix it. Please help me

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 2018-04-25
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX credit report is showing Southwest Systems LLP brought a closed account from original creditor XXXX of {$690.00}. My account with XXXX closed in XX/XX/XXXX. In XX/XX/XXXX, I moved from XXXX XXXX XXXX, XXXX XXXX, MD after separation from my ex-spouse. The account was closed and satisfied. 

A new account and account number was established at my new residence XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

When my ex-spouse XXXX XXXX and Son XXXX XXXX, XXXX established a account with XXXX, XXXX reopened the original account at the residence of XXXX XXXX XXXX, XXXX XXXX, MD. 

In my attempt to acquire Credit in XX/XX/XXXX, it was determined that this was showing again on my credit report. This is when I contacted XXXX, XXXX Fraud Unit regarding the matter. XXXX informed that the account was inappropriate reestablished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: 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 719XXXX 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 from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - XXXX ( Collection ) account and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
Insurance company totaled my car, the loan was paid in full. Experian showed a balance due of approx., {$24.00}, I disputed this on XX/XX/2020 they removed it and recorded this as a late payment ( It was not late and was not reported as late ) On XX/XX/2020 Experian reduced my score from XXXX to XXXX for " making a late payment ''. ( I HAVE NEVER MADE A LATE PAYMENT ) Experian says it's an " algorithm that can not be changed ''. THIS IS UNFAIR CREDIT REPORTING! Please HELP.

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 2019-03-21
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report on XXXX XXXX. And found a student loan to Great Lakes. The student loan was in Georgia I have never been to Georgia and no one I know goes to school there. The rep at Great lakes gave me address of person XXXX XXXX XXXX XXXX, ga XXXX and email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Red Cedar Services, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally Borrowed {$1100.00} from XXXX XXXX XXXX since then I've made at least 5 payments With Only {$50.00} going towards Original debt I've been paying approximately {$300.00} every 2 weeks and still have an original debt of over {$900.00} I receive calls every week concerning my payment being made on time I have been paying it on time but the bill seems like it will take for ever to pay Off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to experian with a copy of what I was sent and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

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 2019-03-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Checking account on or around XX/XX/XXXX under the promotion code XXXX. I met the promotion code requirements by XX/XX/XXXX. These were 1 ) spend {$370.00}, and 2 )  download/log into the Citi mobile app. I have since had these requirements verified by multiple Citi Customer Service Representatives. Per the XXXX offer, I should have received the welcome offer, XXXX AAdvantage miles, credit to my AAdvantage account by no later than XX/XX/XXXX. This exceeds the 90 calendar day window to receive the offer. It is now XX/XX/XXXX, which is over 120 calendar days which I was supposed to receive the offer. I have since called Citi at least 5 separate times to resolve this issue. Several calls resulted in transfers to confused representatives that have not been able to resolve the situation. The latest call was nearly an hour and involved 3 transfers.

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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Capital One has taken over Neiman Marcus credit cards (  many years back ). I reported that I did not receive {$310.00} of merchandise from order # XXXX. I spoke with an NM rep for more than an hour. He said he would remove the fraudulent charges. Instead, THEY DOUBLED THE AMOUNT OF THE CHARGES on my account. I received {$100.00} from this order, and now on my NM account it says I owe {$720.00}. NM used XXXX XXXX to deliver this order, and it appears that they either lost or stole the items. Given that the one box that I received had been ripped open before delivery, I think that might mean that someone was looking for items to steal. Since the item in the box was a pair of jeans, perhaps they thought that would not be as easy to re-sell as items without a size. 
This is pure fraud. FRAUD. I am so sorry to see NM become so corrupt, but I suppose bankruptcy will do that to some companies. I am at a loss as to how to deal with this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 3 fraudulent credit inquiries on my report. 

Truist dealerServices bank 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 2019-03-21
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: Account information incorrect

Complaint:
On my TransUnion, XXXX, and XXXX credit files, an old account from XXXX XXXX XXXX  is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX XXXX. The 3 bureaus all claim that XXXX XXXX  verified the accuracy of the information, yet XXXX XXXX  has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

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 2019-01-22
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.

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 2019-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent a letter to Equifax, XXXX, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX and XXXX XXXX. The other four we should have received have not arrived yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}

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 2019-03-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent a letter to XXXX, Experian, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from Experian and XXXX XXXX. The other four we should have received have not arrived yet.

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 2020-04-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am looking for loan forbearance under the covid-19 assistance from SunTrust bank. I have spent over 36 hours on hold only to be cut off. I try to fill out the form on their website and it does not recognize my loan number. I can not find a means to email them. There is nothing on their website to email them. I can not find an email for their corporate offices. None of the phone numbers I have called are answering or giving an option for a call back. I am a customer of SunTrust and have no way to talk to a live person to discuss my issue nor to communicate electronically. I am completely shut out.

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 2018-04-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX posted a charge off of {$480.00} on my credit report and this is not my account on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation