BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX OF XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00}

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 2015-08-24
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Re : Fraud Claim XXXX Bank of America ignored fraud activities on my account I discovered some fraud activities on my checking account. I opened a claimed with the fraud department. An analyst named XXXX took the case, She denied the case with no explanation. I had to call multiple times where I requested to speak with the analyst to see why the case was denied, She is was able to Instant Message with the rep I was on the phone with, but would not return my calls, or explained why my case was denied. It 's been five days, and I still do n't have a concrete answer why my case was denied. Someone took my phone and was able to penetrated through my phone to add an account and make a transferred of {$400.00}. The name of the account is XXXX XXXX, I did not make this transaction nor did I authorize this transaction. The rep stated that I authorized someone to make that transferred which is not true, she also stated that I made transaction before and after that were not reported as fraud. But this one transaction was done without my permission or consent. This transferred is fraud, and they would not relooked at my case or correct the transferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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:
Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account that credit acceptance is reporting is identified as a ''repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file. A monthly payment should not exist after a repossession has occurred. They report the account later every month. I no longer have the car. They sold the car at an auction.

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 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXXAM DISPUTING THE FOLLOWING THE ACCOUNT WITH EACH BUREAU TO BE DISPUTED AS FRAUD ... ... .. 

CAPITAL ONE BANK XXXX ACCOUNT NUMBER XXXX DATE OPENED XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: CT
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 sent both copies of bill XXXX in full to Experian the bill was XXXX XXXX XXXX. Experian stated that I still owe XXXX which is not true I re sent Experian both copies by mail and they stated that there not changing my report, I sent same copies to XXXX and they posted that payment was played in full. I don't know how Experian does business.

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 2022-04-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Best Buy Credit card closed my account on XXXX XXXX XXXX. I have never been late, and just recently used this card last month. They didn't give me any warning about closing my account. I try to used my card today and the it kept declining. I called best buy and they said they closed my account a few days ago. Best buy said my account is XXXX balance. I ask why did they closed my account if I was never late, have a XXXX balance and just recently have activity on the card. Best Buy operator said, " he dont know ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
Inaccurate use of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
State: NC
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:
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 explanation
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )

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 2016-03-05
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX ( also known as 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I obtained a credit card from Macys in XX/XX/XXXX. The credit card has been active until today ( XX/XX/XXXX ). Approximately 45 days ago, I received a letter in the mail from Macys, informing me of a " credit card protection service '' that I was enrolled in. That was the first time I heard of the enrollment. So I attempted to call the phone number provided as well as attempted to visit the website, however, I was unable to reach them. So I contacted Macys customer service who transferred me to this department. I informed them that this was the first time I was made aware of this and I wanted it stopped immediately. Additionally, any charges made to my account needed to be refunded because this was added to my account without full / appropriate disclosure. They immediately canceled it and indicated that they would submit a request for " investigation '' and I would receive a response within 30 days. This activity occurred on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted them to follow up on my refund ( which should be a little over {$500.00} ). They informed me that they did not see the refund in the system and they needed to resubmit the request to the investigations department and I would need to wait an additional 30 days. I requested a transfer to the investigation department and they indicated that they were not able to transfer me, there was nobody I could speak to in order to resolve this issue and there was no escalation process. The person I spoke to was XXXX - the manager on duty. So, not only are they denying my refund for something I was enrolled in without my knowledge / full understanding / full disclosure, they have not provided a clear mechanism for which to address this issue.

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 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2021 Money was transferred twice via XXXX from my checking account at XXXX Bank XXXX XXXX ). Each transfer was {XXXX} for a total loss of {XXXX}. XXXX Bank 's investigation indicated that the transfer was made from my computer and there was no bank error. I did not initiate these transfers and no one else has access to my computer. I have used XXXX numerous times in the past and had no problem. I have been unable to speak with anyone at XXXX because it is not possible to reach a person by phone. 

I recently learned from a customer service person at XXXX Bank that the money was transferred to " XXXX '' at Wells Fargo Bank. I contacted Wells Fargo Bank today and was told that they would not give me any information and that my bank had to contact them. My bank said that they had closed my investigation and would not make this inquiry. Ultimately, they advised filing a police report, which I will do as soon as possible. 

My complaint s are 1 ) that I lost {XXXX} through a fraudulent transfer ; 2 ) that I was - and still am - unable to contact a person at XXXX to request information about the person or place where they transferred my funds ; and 3 ) I have received no assistance in attempting to trace the transferred funds. I do not believe that a company ( XXXX ) should be permitted to operate in Pennsylvania or anywhere else if that do not provide appropriate consumer service, such as a person to contact with problems.

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 2016-03-06
Company: EQUITABLE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Equitable Mortgage is advertising for a realtor listing on XXXX. they are offering financing for the listing with No APR and I also question if this is a respa value with expecting a loan in return for opening up my data base for marketing mortgages to them. No cost to the agent ( clearly a thing of value ) in addition no monitoring of APR in advertising rates to customer for that home with a discounted fee! this does not seem to be uniform and if this is OK I would like your approval so I can indicate to other lenders this is an acceptable way to solicit mortgage via Agents? 
thank you I have copies of the XXXX postings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX  on XX/XX/XXXX should NOT be on my report. I've been disputing this for the last few months. I WANT THIS REMOVED. I have not applied for a home loan nor do I own one. Also XXXX is breaking a law. 

15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

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