BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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 received an alert that XXXX pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did XXXX report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.

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 2017-08-21
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount

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 2017-08-21
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( NATIONAL CREDIT ADJUST XXXX, NATIONAL CREDIT ADJUST XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX, I purchased a XXXX XXXXXXXX XXXX from XXXX XXXXThe purchase price was {$14000.00} in XXXX, NC. I went ahead and put down $ XXXX.My credit score is over XXXXIncluding the warranties that I signed for, the amount to be financed for $ XXXXWhen I realized that, I went to my bank to refinance the loan.XXXX XXXX XXXX sent a check of {$10000.00} to Bridgescrest the finance company that they would not apply to my account until I paid them th entire amount financed. 
On XXXX I paid {$1000.00} to Bridgescrest. I was told today that I needed to pay {$7000.00} to apply the XXXX XXXX XXXX check to my account to close it.I made the payment but believe that I was greatly overcharged.Bridgescrest had a 16.553 % interest rate and XXXX XXXX XXXX was offering 2.84 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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:
1.Account Name : XXXX  XXXX Account Number : XXXX Amount XXXX 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 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:
1.Account Name XXXX XXXX  XXXX Account Number : XXXX Amount XXXX 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 2022-01-20
Company: Synovus Bank
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Progress/ XXXX XXXX  has been reporting this fraudulent account on my credit report 2021. I never had an account with them. The card appears to have a XXXX limit. The account is reporting a {$270.00} high balance. As well as reporting a late payment. This account is listed as an adverse account on my consumer report negatively affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Home American Mortgage Corp
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern : On XX/XX/2022 A loan officer name XXXX XXXX working under the company Home American Mortgage company emailed me with a subject on all Capital letter and bold letters to lock my loan. He didn't even send me a breakdown of numbers how much my monthly mortgage, and other expenses involved. There's no documentation, no explanation, and I didn't even get a chance to ask questions about any type of loan, if I can buy some points just to lower down the interest rate. He just want me to close my loan or lock my rate. I was on vacation at that time and I felt he rush me to lock the rate even if I already told him I am currently on vacation. He still keep bugging me, calling me at night and texting me without asking what will be the best time to call you.I will attached a copy of the email down below. 

On XX/XX/2022, same loan officer XXXX XXXX called me to lock my loan, same situation happened, he wants me to lock my rate without any explanation, he didn't give a chance to ask questions about any type of loan, if I can buy some points, he doesn't provide any documentation of loan estimates what are the breakdowns that includes on the loan, he said he can't send me those until i lock my rate, which is not true because I talked to other loan officer and they would give me all the breakdowns and explain each pages, the content of the documents, on what to expect, guide me through the process of picking the right and best rate for a client. He started raising his voice when I tried to asked questions and he's been refusing to provide me the documentation on the breakdowns of my monthly mortgage. He even verbally told me that " I will be paying XXXX grand on your closing cost ''! He treated me unprofessionally just because you will be paying a certain percentage towards on my closing cost, you have the right to tell me right into my face. This is there offer being an in house lender on XXXX XXXX XXXX. He would pressure me and rush me to lock the rate and would give me a little amount of time to respond and would say, you only have two hours to respond to this offer because this will go away. He is very arrogant, rude and unprofessional. I am looking for a loan officer that can help me guide through the process, explain every detail, give their client the freedom to ask questions and treat his/her client in a professional manner. 

I emailed the manager and CC the Vice President regarding this issue. 

Hoping for your prompt consideration on this matter. 

Thank you.

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 2017-08-21
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to them again today XX/XX/2021 about this debt. Ive spoken to them several times about this debt because theyve threatened to file a lawsuit against me. Today I spoke to the original debtor who told me I owed {$53.00} which is fine I have no problem paying that. ComenityCB/XXXX  is who the XXXX XXXX is actually through and they say I owe over a {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: INTERFIRST MORTGAGE COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, On XX/XX/2021. I applied for a refinance home loan and was denied due to high DTI. Im on low income social security XXXX. I pay my bills, I pay my current high mortgage and my current high assessments. 

My mortgage is {$910.00} My assessments for my condo are {$360.00} Homeowners insurance is {$110.00}.

I live with my mother. I have a great credit score of around 800. With this loan I could of lowered my mortgage payment by {$400.00}. But I was denied the loan because Im currently paying a high mortgage and assessments. I have no credit card bills. I have for 21 years paid my high mortgage and my ever increasing high condo assessments. One should not be denied because of lack of reserve funds or potential inability to pay the new mortgage, but the lender should be encouraged that my 21 year history of paying a high mortgage, although I have struggled I have done SO in good standing, meaning a lower monthly mortgage with a refinance Im going to be pay it with more ease. I should not be denied just because of a high DTI. Thank you.

Company response to consumer: Closed with monetary relief
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, XXXX, XXXX, XXXX, XXXX, 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 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 2022-07-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX I, 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 2019-11-25
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX I contacted Wells Fargo AutoXXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2022-07-05
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 HAVE CONTACTED THIS COMPANY MULTIPLE TIMES REGARDING THIS MISREPORTING ACCOUNT. THIS ACCOUNT DOES NOT BELONG TO ME AND IS FRAUDULENT.

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 2021-08-23
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: Their investigation did not fix an error on your report

Complaint:
I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX, that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.

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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX utilizing my CHASE XXXX XXXX Credit Card, I purchase two tickets to XXXX valued at {$6400.00} and shortly after that, the pandemic hit and all travel to XXXX .was denied to Americans. At that time XXXX advised me that I will have a credit to use until XXXX, I asked for a refund and they told me that was not an option. Since my intent was to travel to XXXX I left it as a credit. Well here we are in XXXX and XXXX is still closed to Americans and I no longer have a need to travel to XXXX. I've tried to work with XXXX and they told me that my ticket was non refundable. I reached out to my Chase XXXX  and they told me that the 60 day time limit had passed for me to dispute a charge. I'm confused as to how I am being held to this timeline when in fact the pandemic has been going on for two years and I will not be able to travel to XXXX and eventually lose my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
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:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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 response to consumer: Closed with explanation