BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. I am requesting that all reporting 's including but not limited to all late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, These are XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2.. 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 2023-03-27
Company: Atlanticus Services Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
2 weeks ago I was convinced to sign a contract for a XXXX XXXX at XXXX XXXX The consultant told me about the procedure and the price for the service. She told me that the cost of the treatment will be {$3300.00} and I was like no I can't afford that and the She told me that a lending company can finance my treatment. She also told me that after I get approved of this loan, they will charge me 3 months after i get the first treatment so I was like that a good deal and so I ended up signing the contract. The next day I decided not to go through with the treatment so I went to the XXXX XXXX XXXX and canceled my booking. On the same day I also message fortiva to close my account since I'm not charged of anything. Fortiva replied and they said that my account was closed. Few days later I got a notification from my bank that my credit score dropped. So I was like I've been paying my bills on time the might have caused this. So I immediately thought of my closed account at fortiva. Just to make sure that the account was really closed I tried signing in and it worked and I saw a big fat charge of {$3300.00}! I'm shocked. So I called ideal image and told about them about the situation and they told me that they have a NO REFUND POLICY. Since I signed the contract I acknowledged this policy. So I was like okay thats fine maybe if I got a partial treatment but since I didn't get any why am I being charged and he was like well the only thing you can do is to prove that you are medically unable to do the treatment like for example you are XXXX or you have a medical condition that will not allow you. He was also like its gon na hard to get a refund and it will take a lot of time, like weeks to months. If you don't want to do the XXXX treatment then you can just call XXXX XXXX to exchange it to another service. And I was like no I don't want to get scammed again. Thats why I'm reaching out to you hoping that you can help.me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells Fargo Bank had a 3rd party CPI insurance company watching all of Wellls Fargo Loans for not having full coverage. They had a crystal ball and when they felt the Insurance The person had was dropped they would stick CPI on it as a Favor for Wells Fargo and Then send Wells fargo a commission check. They were so Kind. To bad the Cpi They stuck on my Truck was not needed and it caused me because of auto pay to overdraft my savings and Checking and then Wells Fargo was so Kind as to Charge me every fee they could think of.it caused me to loose my truck and it was Fraud. I need to be Taken care of for my massive out of pocket losses. XXXX. on top of the XXXX they have given me. If Wells Fargo Cant find that kind of money somewhere they can send me out for outside mitigation because I AM NOT HAPPY WITH THE XXXX THEY TRYED TO GIVE 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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have tried 2 times now to apply for a secure credit card from My bank that I bank with bank of america they have declined My application 2 times now they have told me I don't meet their credit qualifications and I have things on my credit report that want allow me to get a secure credit with the bank that I bank with I have been with bank of america since 2017 and I can't even get approved for a secure credit card when I am putting up My own money for a secure credit card I don't agree with the decision for bank of america to decline My application 2 time 's for a secure credit card I don't agree with bank of america decision for them to declined me 2 times from getting a secure credit card so I can build credit how can I build credit if My own bank doesn't even give a chance to get a secure credit card this is bad business from bank of america bad business at it's finest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NY
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 act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2018-03-04
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/2018 I filled out application online with Frost Bank I was approved and added money to the account. The next day I received email that I was not approved for the account. How can they say I was approved and let me deposit money in it then close it? I also transferred {$21000.00} but I'm assuming the account was already closed so I don't know where that money is there customer service has not giving me any information how to get my money back other then you should receive a cashier check I don't want a check I want it back the same way they received it. I received the debit card the other day so I don't understand how they can steel my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I made a payment to US bank towards my boat loan in the amount of {$240.00}, however I made the mistake and paid it towards principle. I got a call XX/XX/2020 that I owed {$470.00} toward my payment. So I made that payment of {$470.00}. I also called to have the payment of {$240.00} applied to my monthly payment instead of principle so I could get ahead on payments. They told me they would do that and waived the late fee of {$25.00}. I spoke with a women name XXXX in the collection department that said she would make the {$240.00} as a monthly payment. I did this so I wouldn't owe anything and the collection department would not call me. However XXXX did make the transaction for {$240.00} towards my monthly payment, but also reverse my payment of {$470.00}. So on XX/XX/2020 the collection department starts to call my place of employment asking for another payment because my loan has not been paid on time and my account was in collection. Now I have spoke with XXXX employee ID XXXX and he said that he does not know when my money will be refunded or where it happen to go and can not give me a definite time line on when my account will be brought to current and paid in full loan or get my reverse payment back. So I have spent {$710.00} into this loan and they still have it as I owe money and are calling my place of employment. I have not received the refund that they said was reversed nor have I seen the {$240.00} that they said would apply towards my monthly payment. I can not get any committed answers from the bank. Also when I call and say can I talk to a supervisor they either say I am a Sr banker and I am the supervisor or they transfer me to another person that is not the supervisor. I am currently 15 days late and do not want this to go on my credit report because I am buying a house XX/XX/XXXX and I do not want to lose the loan for this house due to the lack of professionalism that I have experienced with this US bank.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THIS A FOLLOW UP. THE LETTER HAS FTC REPORT ATTACHED. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: IL
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: Other problem getting your report or credit score

Complaint:
I responded to an advertisement from XXXX XXXX XXXX XXXX XXXX, aka, XXXX XXXX XXXX  ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the XXXX XXXX XXXX XXXX. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX  score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my XXXX  scores were to low, they said my report showed my Experian score : XXXX ; XXXX  : XXXX and XXXX  : XXXX. However, when I accessed my credit file and checked my scores they were : Experian : XXXX : XXXX  : XXXX and XXXX  : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX  score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX  scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?

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 2020-12-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They called and said someone had charged my card for a XXXX and asked if I knew this person. They asked me to go to XXXX and look for the white space at the top. I then said I think you are a fraud and they replied no and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report maintained by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following inaccurate information on my credit report. Despite the passage of time, Experian has not provided any response or taken corrective action. I am seeking your assistance in resolving this matter promptly. 
Details of the Inaccurate Information : XXXX XXXX  Date Opened : XXXX. XXXX, XXXX XXXX : {$110.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Balance : {$85.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX / XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX / XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please remove it from my credit report as it is not mine. 

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Please remove it from my credit report as it is not mine.

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 2021-12-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was blocked from enabling external applications to access my checking account at XXXX CST on XX/XX/2018 at the web address XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
There was a hard inquiry on my credit report by Bank of America that I did not make or authorize. What made me look into it is I received a text message stating that my Bank of America credit request was approved. Welcome package and cards will arrive within 14 days. I did not request these cards and am concerned these cards may get into the hands of an identity thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I sent a letter to First Point Collections after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them a certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they ignored my letter and never replied. I am not liable for this alleged debt and they have not provided the documents I asked. 

I demand that they delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: ALLIANT CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I requested a payoff amount for Alliant Credit Union mortgage # XXXX effective XXXX received a Payoff Statement showing XX/XX/2020. I e-mailed the CU that I would wire that incorrect amount and we could adjust numbers later. I did that and paid off the mortgage on XX/XX/2020. I got another Payoff Statement showing XX/XX/2020 but using the same principal balance as the earlier statement. During the flurry of e-mails about this I started to doubt the numbers being provided and requested an audit three different times, but got none. So I downloaded an amortization schedule for this mortgage and performed a pseudo-audit. My numbers did not agree with the CU 's. I was told that interest is paid in arrears. I sent a full dossier by mail to the RESPA office ( same address as the CU ) which they received on XX/XX/2020. No 5 day acknowledgement of receipt or any other reply ever received. I sent a follow up letter to RESPA on XX/XX/2020 with the same results. 

Your instructions indicate not to include too much info, but if needed I can reproduce the entire dossier I sent to RESPA. I believe the property address is likely important so here it is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Thank you for your help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: General Motors Financial Company, Inc.
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:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
On XXXX XXXX, XX/XX/XXXXPORTFOLIO RECOVERY add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them. The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: NY
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:
I went to a car dealership name XXXX XXXX XXXX XXXX XXXX XXXX they agreed to rum my credit XXXXne time when i left the dealership i found out the was running my credit behind my back alot of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers in der section 6.11.As a result, I have been gravely affected by this with my score suffering as a result of the glitch. No notice was given which is a violation and I am requesting that All inquiries listed be removed. 
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