BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
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:
There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : EXPERIAN  BUSINESS CRED Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this 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 2018-11-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX increased my credit line on XX/XX/XXXX to {$6800.00}. On XX/XX/XXXX I received a decrease in credit to the balance of {$4300.00} which had an adverse affect on my credit. My credit usage went from 63 % to 93 % this caused my score to be lowered by 12 points. I called ( I'm not sure what date ) to inquire  about the decrease and it was confirmed accurate and was stated based on the activity on my report. On XX/XX/XXXX there was an alert on my credit report for over or at the credit limit. I called on XX/XX/XXXX and was advised that the minimum payment that was stated on my bill was not the actual minimum amount and that a higher amount was needed to cover the minimum. I was also advised there was a credit protection on my account which was causing additional interest on my account every month. I received a letter dated XX/XX/XXXX that states my credit was accessed on XX/XX/XXXX and my credit limit was again be decreased to the balance of {$3200.00}. This decrease was reflected on my credit report on XX/XX/XXXX having an additional adverse affect on my credit score. One of the reasons they use for lowering my limit is " Proportion of balances to credit limits on Bank/National revolving or other revolving accounts is too high '', however, they have been the reason that the credit limits are too high.

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 2018-05-18
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed money from XXXX XXXX XXXX  several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
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:
inaccurate information on credit please correct it

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 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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:
Please send validation of how did you go by verifying the accuracy of these incorrect items on my report and send proof.

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 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 Days Late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AVANTE
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Avante XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps

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 2018-11-26
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Someone used my identity to ATTEND COLLEGE disburstments were made funds were never recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: NY
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:
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies Equfax / XXXX   and XXXX XXXX and never received a response in over 4 years from either. 
4. Equifax/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX 5 . To many names to remember over the past 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.

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 2020-10-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called into the company to get a rate quote. They gave me a rate quote that seemed like the pricing was quite a bit higher than normal. I told them I wasn't liking the fees, but send me a loan estimate so I can see what everything was involved. That was Friday XX/XX/XXXX. It is Monday and I was given an option to use a text number for the agent to communicate. Now all of a sudden they say I wasn't eligible for a mortgage so they will NOT send out a loan estimate. Before I said i didn't want to pay all of those fees they said everything was ok, but the fees were high. Now that I said I don't want to pay the fees, they say I was ineligible and will not produce a Loan Estimate. The loan officer will not give me a supervisor 's number and when I called the 800 number, I couldn't get a hold of any supervisor. This is frustrating and should be illegal to run credit and not provide a loan estimate because they didn't like the terms. Tomorrow is the third day legally they would need to supply the loan estimate, but from the non-response of the loan officer, I do not think I am getting one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage called under false pretense ( about the timing of my mortgage payment being paid at the end of the month ). I told the female I usually make a payment at the end of month as that's when I get my XXXX  XXXX check. I made my usual payment including late fee at the end of the month, then Rocket Mortgage charged my account for the same amount and overcharged my bank account. Now they won't refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I contacted Lincoln Automotive Financial where my car loan is processed and advised them that I would need to send the payment through XXXX XXXX as my payment was due on the XXXX.. I was given my account number and told to send it to XXXX XXXX. I did so at the XXXX XXXX in XXXX Colorado on XXXX and XXXX in the amount of {$640.00}, which included the payment of XXXX and {$7.00} for the XXXX XXXX fee. Tracking # XXXX A few days after the I began receiving calls from Lincoln Automotive Financial and was told that they did not receive the payment. I was told to call XXXX XXXX to make sure it was sent. I did so and was told that it had been sent to XXXX XXXX. I called Lincoln Automotive Financial again and was told they would review their records and call me back. 

On XX/XX/XXXX, I received a call from XXXX at Lincoln Automotive Financial that they still had not received the payment and that I needed to contact XXXX XXXX again and call her back. She asked me to fax her a copy of my receipts. I did so. I made approximately 10 calls this day back and forth from Lincoln Automotive Financial and XXXX XXXX and the results were that the money should have been sent to Lincoln Automotive Financial but XXXX XXXX sent the money to XXXX XXXX ( the wrong company ). XXXX XXXX stated they would begin the process to get this corrected and I should call back on Monday of the next week. The case # is XXXX. 

I called back to XXXX XXXX and was told that they needed the city in which the payment was to be sent. I called Lincoln Automotive Financial and was told XXXX, MI. I then called XXXX XXXX back and was told that they would get back to me in a few days after they received the money back. 

I called XXXX XXXX the following Monday, ( Which is now XX/XX/XXXX. ) and was told that they are not receiving a response from XXXX XXXX to get the refund. That they would escalate the claim and get back to me in a few days. 

I called on XX/XX/XXXX and I still have not received a response to where my money is. I was dinged on my credit with a late payment by Lincoln Automotive Financial due to the fact the money was not sent to Lincoln Automotive Financial because I told to send it to XXXX XXXX by the Lincoln Automotive Financial representative. 

I want the money returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: NAVY FEDERAL CREDIT UNION
State: DE
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:
For the past 8 months Ive been actively trying to rectify errors on my report and Navy federal & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently received a copy of my credit report from XXXX and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.

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 2020-09-06
Company: EQUIFAX, INC.
State: NV
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 was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Bank of America Credit card for over 20 years. On XX/XX/2018 they reported me 30 day late. I have never been late on any of my credit cards. They change my paper statement to Electronic statement. I always receive all my statement via the mail. They intentionally change the way I receive my statement and when I was late they did not intend to call me and let me figure out on my own. Bank of America bad business practice.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: MD
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 recently received a copy of my credit report from Experian and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned fromXX/XX/XXXX -XX/XX/XXXX and received my XXXX  degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.

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