BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : 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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
In XXXX of XXXX I found a charge on my Bank of America Credit Card that I did not recognize. I disputed this charge and went back and forth with the bank many times as I had no recognition of the charge and I sparsely used my Credit Card from them for any purchases. On XX/XX/XXXX after many phone calls and having BOA researching the issue they concluded that I should be issued a refund in the full amount of {$150.00} along with {$30.00} they charged me in late fees. {$150.00} was the unknown charge. BOA temporarily credited my account then a month and a half later mysteriously reversed it without my knowledge or consent. They continued to charge me late fees on a charge I did not make. After I spoke to someone in XXXX of XXXX they said they were needing another 90 days to make an assessment without proving any more details. I had to call BOA twice a month from XX/XX/XXXX all the way to XXXX of XXXX. On XX/XX/XXXX of XXXX they closed my account but days prior I spoke to them multiple times, XXXX XX/XX/XXXX and they told me they should be issuing me a refund and correcting all the false late charges on my credit report. I have all my conversations with them recording on audio stating that they would correct my false late fees with the credit bureau 's and refund my money owed plus all the late fee 's they had " conveniently '' been charging me for an INTIAL charge I did not make. 

Not only did Bank of America not rectify the issue. They lingered over the standard 60, or even 90 days to research and Identify the issue. It has now been almost a year, and not only have they done nothing to correct it but have reported me late for 6 months for not paying a charge I do not owe and have damaged my perfect credit by defamation which is not at all true.

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 2020-04-28
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started to refinance our home with Quicken Loans ( Rocket Mortgage ), on approximately XX/XX/XXXX with XXXX XXXX. Initially, we were inquiring about a 20 year loan. On XX/XX/XXXX, after speaking with our financial expert, my wife and I decided to go with a 15 year loan. I tried calling XXXX repeatedly, along with some text messages requesting the mortgage we applied for, be changed to a 15 year. He did not return any calls or texts until Monday, XX/XX/XXXX. Meanwhile, on XX/XX/XXXX we canceled the appraisal ( with XXXX at XXXX  XXXX ), that was scheduled for Tuesday, XX/XX/XXXX at XXXX XXXX  because we felt as though XXXX was trying to keep us locked into the 20 year. At this point we went back to XXXX XXXX, who had previously ensured us that a 15 year mortgage would be no problem and began the process for a 15 year loan. When I finally spoke to XXXX on Monday, XX/XX/XXXX I requested a refund for the original appraisal. Some time later I noticed a {$47.00} dollar credit on our credit card. When I called Rocket Mortgage again I spoke to XXXX XXXX. He said that he would investigate. When he finally got back to me I was informed that a `` drive by '' appraisal had been done by XXXX XXXX, a company that was never mentioned. We were informed that because the appraisal had already been " done '' they would not return our money. So, we called our XXXX XXXX card and explained the situation. They entered a dispute pending an investigation. XXXX XXXX told us if we do not hear back from them by XX/XX/XXXX the matter will be closed. Since then, I have spoken to XXXX XXXX at Rocket Mortgage. XXXX stated he performed an investigation and that since a `` drive by '' appraisal had been done we still have to pay for it. I requested to speak to XXXX 's supervisor and got XXXX XXXX, Team Leader Client Relations. XXXX offered to eat half the cost. ( fishy ) Both my wife and I were home at the time ( XXXX XXXX  ), per XXXX, they say they did the so called appraisal thus the picture they took of our home should have had both of our vehicles in the driveway. There are NO vehicles in the driveway in the photo they submitted on their so called `` drive by '' appraisal. 
We feel like we are being scammed. 
We would greatly appreciate it if your company would look into this matter. 

Thank you very much in advance. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WELLS FARGO & COMPANY
State: PA
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:
On XX/XX/2021, I received alerts from several credit report monitoring sites/apps informing me of a hard inquiry on my XXXX report by Wells Fargo Bank NA . I did not apply or otherwise authorize an inquiry from Wells Fargo today. 

I contacted Wells Fargo via the phone number listed on the inquiry and explained the issue. I was told that all they could do is fill out a credit card dispute form, which would take two weeks to a month to investigate. They would also not provide any reference/case/confirmation number for this dispute form. 

They also told me to dispute it with XXXX directly, which I attempted to do, but was told by XXXX that I needed to contact Wells Fargo themselves. Each party is passing-the-buck. 

Im in the process of shopping for a home and will be applying for a mortgage. I dont have a month for Wells Fargo to investigate a non-existent credit card dispute.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
have sent 4 dispute letters over the course of 5 months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

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 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. 

The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted Capital One about an account ending in XXXX that did not belong to me but is reporting on my credit file. I was advised by the representative that the account would be removed from my credit report on XX/XX/15 when they did the reporting to the credit agencies. This account has not been removed from my credit report and it is impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
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:
I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX  XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}

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 2020-06-24
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: Account information incorrect

Complaint:
TO whom it may concern, I am writing to you to inquire about a hard inquiry reported by XXXX XXXX XXXX XXXX ON XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 
Please remove this from my credit report. 
I have indicated my social number above and date of birth for reference. 

I thank you for your assistance on this matter. 

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 2020-04-28
Company: ID Analytics, 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 was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a XXXX credit though Ive never used that in my life and on two occasions ( most recently being today XX/XX/2021 ) XXXX confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for XXXX credit ~ which wouldnt happen if I had been sent to a collection agency for XXXX credit being unpaid... 

The MCM company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Several months ago, I filed 2-3 complaints against the American Express Company dealing the following : On about XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX had verbally acknowledged receipt/return of these funds and had been agreeing to credit any interest that may be accruing for the amount of the funds returned. 

On or about XXXX of this year, American Express Company finally resolved this matter by crediting me for the returned funds along with any additional finance charges that may have been charged. 

On or about XX/XX/XXXX, I was again charged for the amount of {$10000.00}! It was listed as a " Reversal of Balance Transfer ''. I have been trying to resolve this again with AMEX employees, XXXX and XXXX without success. I am also now being charged interest for the new larger balance. Finally, I am being adversely impacted by this mistaken/fraudulent charge as I in the process of refinancing some properties. My outstanding short-term debt is being reported as {$10000.00} then it actually is. Can someone please, please get this resolved and stop singling me out for this mistreatment?!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had XXXX XXXX and it didnt work so we canceled and paid and never heard back and then noticed a collection on my credit report. They didnt even send a letter or call or anything before putting this on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a bofa account linked to edd, my card expired and a new one was never sent. I have tried to contact them several times thru email, telephone and the bofa website only to be told there is a problem with my account then it boots me off. I have been waiting for this card so I can access my funds and pay my bills. I cant get ahold of anyone and am at my whits end. hopefully you can help me please. my phone number is XXXX XXXX XXXX my email address is XXXX. thank you my name is 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 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are XXXX and Experian able to verify this account as accurate when XXXX XXXX XXXXXXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!

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 2021-10-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Radius Global Solutions contacted me about a debt from XXXX XXXX of XXXX on XX/XX/2021. I called the number and they said they contacted the wrong person but I gave them the last 4 of my social. The number listed was 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 2021-10-19
Company: FORD MOTOR CREDIT CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced my home mortgage at a lower interest rate and to consolidate three loans with three separate lending institutions. My new lending institution XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN hereafter called XXXX ) contacted the three lending institutions & obtained final payoff amounts for those loans. Payoff Cashiers Checks were sent to these institutions on XX/XX/XXXX. Two of the institutions accepted the checks and closed the loans. Ford Credit refused the check as " not signed correctly '' and returned the check to a faulty address. I received a " courtesy letter '' telling me of the event. It took 3 days for XXXX XXXX XXXX  to recover the missing check by working with USPS. Meanwhile, I received daily text messages & e-mails from Ford Credit about my overdue account, turning me over to the credit bureau, and applying late-payment interest penalties. I spent hours on the phone on numerous occasions talking to Ford Credit minions who promised to research the problem and call me back. As of today, XX/XX/2021, I have received no such replies. 
I have continued on a daily basis with ONB to resolve this issue and they are as frustrated as am I. I have volumes of exchanged information between XXXX, Ford Credit, & myself. On XX/XX/2021, after communicating with Ford Credit, XXXX sent TWO checks to Ford Credit via certified mail. One was for accrued late-payment interest of {$42.00} & the other check was for the amount of the original loan payoff quoted on XX/XX/XXXX. Ford Credit signed & received the checks on XX/XX/2021. ONB records indicate that Ford Credit deposited the {$42.00} check but have not yet handled the payoff check as of XX/XX/2021.

Company response to consumer: Closed with monetary relief