BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally applied to Freedom Mortgage to refinance my mortgage on XX/XX/2020. After working our way through the process which included signing multiple disclosures and applications I was sent a notice of not completing an application on XX/XX/2020. This was due to a vague question emailed to me on XX/XX/2020 about the address I grew up at, with no explanation as to the issue. I never owned that house and moved out when I was XXXX years old over 20 years ago. They literally never asked me why they needed to know about that address and only sent an email with the address on it which I answered that I never owned it. The funny part is I have a perfect credit score and have had a perfect payment history with the loan I have from this company. Poor service and I suspect its due to the low rate I locked in which they probably can not honor. This company sucks

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 2023-03-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a dispute in XXXX and in XXXX for inaccurate and fraudulent inquiries on my credit report. 
15 USC 1681 Section 602 states that I have a right to privacy. 15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions. 15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose
.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: NC
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:
Upon looking at my credit to monitor it. I realised so many different inaccurate items I'd like resolved. In the forms of 9 hard inquiries that are unknown to me and frankly disturbing. I called equifax but they. Never responded 2nd attempt tgru cfpb. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 AND XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries are unauthorized and without permissible purpose. Please send proof of reinvestigation methods used and wet ink signature ti substatiate my consent. I know what a inquiry is please di not insult and send a generic answer. The FCRA Said all items on credit report must be accurate. None of the inquiries have account # address phone number of furnisher attached which is required per the FCRA. Thats not complete and accurate therefore they must be removed. I do not know who to contact and i should have those information by law. FDCPA youre in violations of my privacy act also. Equifax has vowed to be a accurate data furnisher, the data on my crdedit is not accurate or authorised. This is hindering my life. Fcra allows {$1000.00} per violations. Please govern yourself. You have 30 days to respond with a copy of updated report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have FOUR problems 1. ) I purchased a XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX. I was approved with XXXX down with XXXX XXXX. I found out later the XXXX went to an extended warranty, and Gap they told me I had to purchase instead of the purchase price of the car. 
2. ) My car was repoed without notice on XX/XX/XXXX ; the next day, I paid the repo fee and the payment I was behind and picked up my car. The rep at credit acceptance told me to make the current payment, and I could defer the next one. I paid on XX/XX/XXXX. They called and said I paid the payment one day late, so my deferment was void ; they never sent me anything in the mail saying it was void. 
3. ) My car was put in the shop on XX/XX/XXXX, at the same place I purchased it, for almost seven months, while I was still continuing to make my car payment. The warranty I paid for would never pay for it ; the car dealerships owner found out about it and paid to have the car fixed. The warranty is a scam ; I need to be refunded. 
4. ) I informed Credit acceptance that I was a victim of fraud, someone filed a fake claim in my name for unemployment, my hours were cut due to COVID, and I got behind on two payments ;  they reported it instantly on my credit when they said they would not.

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 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2019 for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: LA
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:
Debt was paid on XX/XX/2020 and tradeline promised to be removed from credit report. Equifax is still reporting I owe this debt which is definitely not accurate. All other bureaus have removed this tradeline from my report. I spoke with XXXX XXXX on XX/XX/2020 in reference to this account. I validated this account was not reporting by Mr XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2011 with a balance of {$12000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

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 2021-11-05
Company: Climb Credit Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/XXXX I enrolled in XXXX education services. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX  contacted me on XX/XX/XXXX to sell the loan for 1 month of service to Climb. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with Climb I called Climb on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  finance agreement with Climb. 

Climb took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: PA
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:
Both XXXX  and Equifax are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because XXXX has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that XXXX  sells subPrime credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the subprime market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: OH
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:
My checking account was hacked into XXXX. There was 4hits for {$100.00} each Bank doesnt seem very willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX and XXXX of 2019. The Dept of Education Nelnet reported 90 & 120 days late payments. I was currently attending the XXXX XXXX XXXX XXXXXXXX XXXX. My loans were in deferment. I never had to start making payments. How was my loan reported late?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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: Their investigation did not fix an error on your report

Complaint:
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.

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 2020-09-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Upon attempting to legitimately transfer funds to my mom, the transaction was cancelled and my MoneyGram account was suspended. I have not committed a fraud, and my transaction should not have been flagged as fraudulent. My mom and I called money gram and spoke with someone in the XXXX named XXXX, transferred me to XXXX, with online services. XXXX stated that she can only speak with the account holder, when my mom asked what department was reached. XXXX obtained my name, dob, and phone number then asked me to hold for 2-3 minutes. She returned, stating that MoneyGram was not comfortable with completing the transaction, and for security reasons, cancelled it. She added that the refund was approved and {$1400.00} would be returned to the account within 3-10 days. She added that I should go into the store to complete the transaction. When my mom asked her what was the name of the company we reached, and to speak with a supervisor, she repeated what we overheard her being coached to say, that they could not conference the call and she could only speak with the account holder. I told them that I am the account holder and my mom has permission to speak. My mom asked to speak with the person who was coaching her, XXXX then stated that she will have to disconnect the call. 

If the transaction itself raises a question, why is it ok to sent it from a MoneyGram location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I want XXXX XXXX, Experian and XXXX to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}

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 non-monetary relief
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Transunion to delete this information but they have not. I am contacting you to have these accounts for 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 2020-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/XXXX, I requested Chase to set my cash advance limit to zero on account ending in XXXX. 
I was informed this is not possible as the minimum is {$100.00}. 
I replied asking for a second confirmation, as the other account ending in XXXX shows cash advance limit as XXXX. 
I was informed that the minimum they can change currently is to {$100.00}, and asked for a confirmation to set the cash advance limit on account XXXX to {$100.00}. 
I confirmed, and clearly advised that this should apply only to account XXXX and leave account XXXX untouched ( as it was already XXXX ). 
I received a confirmation stating the following : ************ We'll be happy to assist you with decreasing the cash line on your account ending in XXXX. 

XXXX, the cash line on the account ending in XXXX is XXXX. 
However, at present we can reduce it to a minimum of {$100.00} on the account ending in XXXX. Your new cash line is {$100.00} and you can use it immediately. 
************ Upon checking, I noticed it was not processed as stated. Instead, the {$100.00} cash limit was put on account XXXX ( that was previously XXXX  ), leaving account XXXX with the original cash limit ( over {$5000.00} ). 

I replied notifying Chase of the mistake and requesting to be fixed. 

While they fixed the cash limit on account XXXX, the account XXXX remains with {$100.00}, and I did not request any change in that account. 

Chase made a mistake, and is not handling it professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unable to contact an AmeriHome Mortgage representative on the phone regarding their inability to pay either my homeowner 's insurance or the property taxes for our home out of my escrow account. I submitted an online inquiry buy have not yet received a response from them. I paid my homeowner 's insurance out of pocket in the amount of {$990.00}, since it was already past due on XX/XX/2020. I also submitted with my inquiry to the company the only property tax information on our home that I could reasonably obtain online on the weekend. 
I requested to be reimbursed for the homeowner 's insurance from my escrow account, and that they also promptly pay the outstanding property taxes out of the escrow account before any late fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
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: Problem with personal statement of dispute

Complaint:
US Auto sales sold me a car that stop working in 4 days i paid cash for a car couldnt fix are repair they gave me the run around for the XXXX XXXX XXXX  i waste time, money and was stress out about it 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 2023-06-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to complain about a denial of account opening without explanation. At the beginning of XXXX, I tried to open a checking account over the phone with a BMO bank representative. I was denied without a reason, merely that I would receive a letter in the mail explaining why. The letter arrived ( this can be viewed in the attached documents ) but there was still no explanation, just a vague referral to a XXXX report which was allegedly not a factor in the denial. I spoke with XXXX subsequently and received their consumer report which contained ZERO flags or delinquent accounts. This report is also attached. 

I make over $ XXXX and my XXXX score is over XXXX. BMO owes me an explanation SPECIFICALLY why this account was denied. I expect a BMO representative to CALL ME with this explanation.

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 2021-09-02
Company: WELLS FARGO & COMPANY
State: TN
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 recently noticed an inquiry on my credit profile from Wells Fargo Dealer. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

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 2018-10-30
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me constantly XX/XX/XXXX they called from XXXXat XXXX, XXXX, XXXX,XXXX, they also called from number XXXX at XXXX, XXXX, XXXX and XXXX. The day before that number called me 9 times and I have several other numbers for them calling me at early morning hours more than 2-3 times an hour. When I took their call they put me on hod to wait for the rep for 15 mins then rep wouldnt speak t me because I wouldnt " verify '' my personal info they have on file for me.

Company response to consumer: Closed with explanation