BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Commonwealth Financial Systems, 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:
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent. 

COMMON WEALTH XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; XXXX  XXXX Balance Owed : {$240.00} ; XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2016-04-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a credit card in-store at a XXXX XXXX Department store in XXXX, California. From there, I never received the card in the mail, so I was unable to pay the card or login and could not contact anyone for help from the # 's provided on the internet. 

I paid the card off in-store with a debit card, and told them about the problem, they sent me another card which I 've had for a while now ending in XXXX. 

Today I received a call and they informed me, unknown to me, that I have a XXXX credit card ending in XXXX, which I have never received a statement, card, call, or email for until today. This new card unbeknownst to me also has a very past due balance they 're just now informing me about as well that is over {$1000.00} XXXX. 

I can not help but feel that assigning a new credit card, transferring the balance of, and not informing a consumer is probably considered predatory lending, and would like to ensure that : XXXX, XXXX XXXX Credit Card, XXXX Stores, or Amex who are all associated with the card do not continue this practice. 

I 'm unsure if I truly owe the amount they are stating that I owe and have sent to collections ( {$1100.00}, or XXXX, they told me multiple different amounts on the phone ) as I paid it all off in-person to avoid having to use this card again after seeing that they did not have normal business practices or customer service. 

I am very disappointed in the hours of time that opening a simple department store credit card has caused me to lose dealing with them on the phone, or attempting to login to their poorly built website online. 

Thank you very much for providing an agency or group to review and monitor these types of businesses who waste time, money, and impact credit reports for Americans. 

Thank you, -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 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I used a Bank of America mastercard to purchase an airline ticket through an online website travel agent called XXXX for XXXX XXXX. Purchased XX/XX/XXXX for {$830.00} Flight was for XXXX Due to COVID the airline cancelled the flights in XXXX. I have emailed numerous times to travel agent for a refund and they will not give it to me. They keep stating it is up to the airline to authorize the refund. 
I filed a credit card dispute on XXXX, received a confirmation letter. Called again in XX/XX/XXXX and was told B of A hasnt even contacted merchant yet to investigate this claim.

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 monetary relief
Consumer complaint received 2022-05-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management / Midland Funding has violated my right and the Fair Credit Reporting Act, and also violated the Fair Debt Collection Practices Act, and Defamation of my Character by breaking these laws. Attached is a copy of an AFFIDAVIT OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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:
THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

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 2021-12-09
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The address they have on file is incorrect. I did not receive a letter confirming validation of debt. They have the wrong city on file and never received any letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX, Equifax placed a supposed temporary fraud alert on my account, and claimed it was by my request. I called and spoke with customer service, and went through a lengthy and inconvenient verification process and the man on the phone told me hed try and have it removed. After the entire verification, he told me he couldnt remove it, but it would fall off. After a few days, not only did it NOT fall off, they actually updated it to a permanent one, AND I CANT GET IT OFF!!! I have been working on my credit, I pay for 3 different monitoring services, and a credit repair company, and I put in A LOT OF TIME AND MONEY and this is ruining everything!!! I should have received two limit increases that were not given and was denied a car loan preapproval, and this isnt right!!! It clearly says on my report that I requested this, and thats a lie!!! I cant get it off, and now they have locked me out of the online site, and I cant do anything! Please help me remove this!!! I have worked so hard on my report and I am having real consequences because of something that I didnt want, and was put in my report, without my consent! Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
inquiries Capital one, please delete most of the capOne inquiries The was a fraudulent freeze on my XXXX, so every time I applied for a pre-approved card it was rejected until I got the freeze removed, unbeknownst to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Maximus Education, LLC dba Aidvantage
State: AL
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 attended XXXX  XXXX XXXX and was never able to use the degree because the school was not considered an accredited institution for the government jobs I applied for. In XXXX, I enrolled in another institution-XXXX XXXX to further my education and obtain a XXXX degree but during my last term was told that my financial aid was exhausted, so I never received my degree and I now have over $ XXXX in student loan debt and continue to be denied for any housing loans and jobs that require a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from 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 2016-10-17
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.

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 2020-06-11
Company: EQUIFAX, INC.
State: CA
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:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: Account information incorrect

Complaint:
I had an account with XXXX. It was an XXXX card. For whatever reason XXXX decided to close this account. The account had a {$170.00} balance. XXXX took me out of thier system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an XXXX card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited 2 weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with Experian, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. 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 2017-02-03
Company: Cawley & Bergmann, LLP
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of 2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX XXXX bank and XXXX bank.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$96.00} Equifax : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wells Fargo Servicing Center Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

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