BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was notified that XXXX XXXX rolled out a new refinance program for low-income individuals with low credit scores. The program is called : XXXX XXXX XXXX  Its not too late to take advantage of historic low interest rates. XXXX puts a money-saving refinance option within reach for more homeowners. 

With XXXX you can take advantage of benefits like : 1. A lower interest rate 2. Monthly payments reduced by at least {$50.00} per month 3. Savings on up-front out-of-pocket appraisal expenses I called my servicer BANK OF AMERICA and they stated they were not honoring this program. I then called XXXX XXXX and they stated BOA must honor this program since they are the servicer for XXXX XXXX XXXX. 

I called : n : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 2021-07-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking and saving account with TCF bank and every 2 weeks they change my pin number they let me with no acces to my money i try to get answers for the bank and they just said make another pin Im so so so tired with tcf bank i want to make complaint for the bank i need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Account information incorrect

Complaint:
I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from lexis nexus that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account Number XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-07-06
Company: EQUIFAX, INC.
State: FL
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 would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies  that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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:
My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2020-01-27
Company: Conn's, Inc.
State: SC
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 applied on Conn 's website only to see if I would pre-qualify by filling out the short form pre-qualify application, it cleared stated in bold yellow writing " the application wouldn't impact to lower your score ''! I hit the submit, to see if I would pre-qualify, it gave me offer for up to {$4000.00}. So I still assume it was a soft pull because it awarded me up to {$4000.00} not a definite credit line of {$4000.00}. I was unaware until the next morning on XX/XX/2020 when a sales rep named XXXX called me to inform me on the new credit line. I quoted to her the same thing that I didn't complete a application for a new line of credit, it was to a pre-qualification to see if I would qualify, that I was looking but wasn't ready sure if I was going to make purchases at Conn 's, especially when I didn't complete a application to run my credit for a hard pull, and the offer is only good for 30 days unlike any other line of credit or store credit, then you'll have to do another application for credit.Then I checked my credit monitoring it indeed was a hard pull, and my score was dropped as a results of this unauthorized action. Conn 's is the appropriate name for their business, plenty of consumers have gotten suckered by what happened to be a soft credit pull on their pre-qualify site, please check the internet for the reviews I'm one of many that this has happened to, it needs to be stopped by the federal government agency immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MO
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:
Equifax removed ( incorrectly! ) the most positive item on my credit report. On XX/XX/XXXX, I sent Equifax a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. They corrected one item, ignored one item, and decided one item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion has, yet again, reported incorrect information on my credit report. This time it's on my XX/XX/2020 credit report ( XXXX ). The account in question, is XXXX XXXX - XXXX. 

The errors on the above referenced account, include : I. reporting the wrong " Payment Received. '' Should show {$230.00}. Currently shows, " XXXX. '' 2. reporting the wrong " High Balance '' date. The high balance showing was in XXXX. The current balance is {$2600.00}. That's a lot less than the original amount of {$14000.00}, which Transunion is showing as the " high balance '' as of XXXX. This is an egregious error, which distorts the true status of my credit worthiness!!

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 2021-07-07
Company: Experian Information Solutions Inc.
State: NH
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:
I had 2 credit cards with XXXX  XXXX and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with XXXX  XXXX and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I made a request from State Collection Service, Inc to receive a statement with the total that I owed on all and any open accounts. In response to my request, the company sent me information for one " agency. '' I asked for clarification on if this is all that was owed and since my records indicated that about {$200.00} more was owed at the time. I was informed by the employee that this is all that was owed within State Collection Service , Inc. About a week later I requested a follow up to ensure I was receiving payoff receipts that indicated I owed nothing else. I was then informed that I owed and additional XXXX that was withheld from me at this time. The company has taken these off of credit reporting and has since denied any fault of their own and will not expunge the amount even though they had originally withheld the information from me and I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: CO
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 rewards from credit card

Complaint:
Over the past 2 years I have earned a significant number of miles from CitiBank related to their partnership with XXXX XXXX XXXX XXXX. Of the miles I have earned, I recently received notice from XXXX XXXX that XXXX of these miles will now no longer be usable due to a termination of my XXXX account. These miles are valued at approximately {$20000.00} if bought directly from XXXX XXXX. XXXX XXXX asserts the reason for my termination was due to " Exploitive Practices ''. As essentially all of the miles I have gained have been a result of the partnership offered by CitiBank through their Credit Card, CitiBank is at fault for the " Exploitive Practice '' used to obtain these miles. CitiBank awarding the miles to my rewards account with XXXX XXXX is the direct reason my account was closed by XXXX XXXX. As CitiBank awarding these miles is the reason I am no longer able to utilize the miles, I believe CitiBank should provide an alternative award instead of these now useless airline miles. The bank essentially marketed a credit card rewards incentive to me that, when awarded, would result in the reward incentive being taken away. This is deceptive marketing and should be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CORELOGIC INC
State: VA
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:
XXXX XXXX lied to me that no hard inquires would be performed on my credit. lETTER ACKNOWLEDGING THIS ATTACHED. Looking ffor monetary damages due to FCRA violation

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 2020-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello : This complaint centers around my two checking accounts that I have at Chase bank. I have banked with Chase for seven years with no issues until now. 

I was recently laid off from my job as a XXXX  XXXX in XXXX XXXX. I moved back to XXXX  to look for work. I applied for unemployment coverage and was approved thru the state of XXXX. Since all unemployment taxes had been paid to the state of XXXX  I was instructed by XXXX   unemployment AND XXXX unemployment that my benefits would come from XXXX  ( despite the fact that I now live in XXXX  ). Both agencies knew I moved to XXXX. On XX/XX/2020, Chase bank ( with NO NOTICE ) froze all of my accounts. I had to call Chase bank repeatedly and every time I called I was told a different story. Chase bank told me that they were suspicious of my account because I was collecting unemployment from XXXX  but living in XXXX. I explained to them the situation numerous times and was told to provide documentation. I have provided numerous pieces of documentation related to my XXXX  unemployment. I have provided direct emails from the state of XXXX  unemployment office. I have called EVERY DAY for the last 20 days! Every day I speak with a new person. Every day I am told a new story. I have called the state of XXXX  unemployment office and they have stated there is NO problem on their end and that they had never heard of a bank doing this before. 

Please, I just want ( and need ) my money released and sent to me from Chase. I am getting nowhere with them after almost 30 days. I can provide full documentation of all my unemployment benefits and correspondence with the state of XXXX. Chase is such a large company that no one seems to care. Thank you in advance for any help you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with bank of america, XXXX and XXXX XXXX. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX  for these charges on my account, the police case number is XXXX but bank of america will not dispute these charges due to the time but i was clueless that these were thieves. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/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 2021-02-23
Company: GUARANTEED RATE INC.
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:
I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to XXXX XXXX to file a dispute that I was told by XXXX XXXX that could take 30 days. I was not aware of the Inquiry by XXXX XXXX  nor did I apply for anything online. When I received the report from XXXX XXXX to remove this Inquiry from my Credit report that I did not authorize. I was denied by Guaranteed Rate. Then I was informed that the XXXX XXXX report was authorized by a company called Guaranteed Rate. Then I was informed that this was a Mortgage loan from Online by Guaranteed Rate. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry by Guaranteed Rate, and information removed from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
PRA PORTFOLIO RECOVERY ASS IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO EQUIFAX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. PRA IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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 a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation