BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, i was scammed into buying gift cards. I spent {$500.00} at XXXX XXXX, and {$100.00} at XXXX. I almost spend additonal {$800.00} but my coworkers knew something was wrong, so they prevented me from spending more money. I called XXXX XXXX  immediately and found out only one of the gift cards was redeemed. I told them to stop the rest of the gift cards, they said they could not for some reason. I called FTC to report what happened. Then I called Bank of America to report as well. I received my money back temporarily during the investigation, but they recently denied my claim and withdrew the money from account again.

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 2020-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX stills has an old account with XXXX card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Home Loan Center, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have just a Wayfair company card and have not used it for over a year. I made a purchase on XXXX on my store CC. 
Then on XX/XX/XXXX and again on XX/XX/XXXX I received emails about the Wayfair XXXX I requested to be opened. 
I was very surprised at these emails because I never made any requests. 
CITI will not help with any investigation, they have no clue what is going on, they transfer me to departments that are closed, hang up on me and want me to give them my social security number!!! They refuse to do anything unless I give them my full SSN. I find this incredibly insane since I was able to purchase a {$400.00} chair with no CC # and without my SS #, but now when I need help because they have caused a fraudulent situation they will not help at all! 
Im sure Im not the only one whos information has been compromised by this poor excuse for a company, they are putting people at risk daily!

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 2022-07-14
Company: Social Finance, Inc.
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: TX
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 is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been working on a XXXX  standalone mortage to cure a past due balance for several months. The first time I completed it, Freedom mortgage put the wrong maturity date on the documents, it was rejected by county recording, and it took them XXXX months to correct. During the time I was in process, Freedom Morgage had robo called me XXXX times between XX/XX/XXXX to XXXX XXXX of this year to the point I had to remove my number from my online profile and block them on my phone. They were also having people post notices on my door at home. I called around XX/XX/XXXX and requested they cease leaving notes on my door. I called their closing team number XXXX on XX/XX/XXXX when they did it again. They have since posted a XXXX letter XX/XX/XXXX and, a person in my house saw it with my private information disclosed. I tried to request a XXXX time to cease and desist in writing via the website and the system would not allow me to do so. This is a serious privacy violation and harassment of a XXXX XXXX XXXX XXXX with 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 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I fought the township and village tax amount with the township starting in XXXX  of XXXX ... immediately upon receiving my tax assessment. I won and they adjusted the amounts. This process took a few months due to COVID and I had to go to the state after the township initially did not lower the tax amount by enough. 

2. Due to the timing of taxes being paid the above settlement being completed, I was sent indicating I was short on my escrow by a substantial amount. 

3. Since XX/XX/XXXX I have had approximately 10 communications ( started with email and switched to calling since I did not receive responses to emails ) with United Shore Mortgage regarding my escrow account since I needed to know the correct amount to pay and the village had indicated they never received payment of my taxes and therefore was late. During these communications I was promised call back from supervisors which I never received ( more than once ), promises to resolve the problem, etc. I only finally made progress as to the issue when I demanded a conference call with the mortgage company, XXXX XXXX tax dept, and myself. During this time they increase my monthly payment since they said I had a shortage on my escrow. 

4. The last 2 communications were as follows. I spoke with XXXX and she indicated she would request an reanalysis of my escrow so a final amount could be determined if I was still short and what my monthly payment would be. She said when she calculated it, my monthly amount should go down but was not the official analysis and since she requested on XX/XX/XXXX, it would be done not for my XX/XX/XXXX payment but it would be for my XX/XX/XXXX payment. I received my XXXX bill and it has not changed and when I went on line the reanalysis of my escrow was not done in XXXX nor XXXX yet. I called United Shore Mortgage back on XX/XX/XXXX and once again was given the run around ... they would request to see what is going on. I told him I wanted a call back tomorrow or I'm call my lawyer and XXXX XXXX XXXX I also told him I would be going to submitting a complaint. 

5. I will not be attaching documents as the mortgage company should have all of these and at this point in the process they have what they need to finish the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is collecting on a balance that was waived by XXXX XXXX. They have called me and multiple family members trying collect money. They make me give my date of birth and social security number without talking. They said that they will keep calling until I pay. The last rep mocked me and said the company didnt waive anything and that I just didnt pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: CO
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:
Experian stated to me outside of sending this information to the CFPB that The company reported the information to them has certified to Experian that the information is accurate that I had a bankruptcy. I am requesting a copy of that CERTIFIED INFORMATION be sent if to the CFPB I want to review the document that I know is fraud because I have never had a bankruptcy. and if experian fail to send this CERTIFIED INFORMATION AND ATTACHED A CERTIFIED COPY HERE this item must be or I will exercise my legal right to sue EXPERIAN FOR FRAUD. 

I will not accept any information to be accurate unless it is attach here. Experian should not not have anything to hide from the CFPB.

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # xxx-xx-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 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
ON XX/XX/2022 A LETTER OF DENIAL WAS SENT TO ME AFTER APPLYING FOR AN EXTENSION OF CREDIT THROUGH MY BUSINESS ACCOUNT THROUGH BANK OF AMERICA. THIS COMPANY IS DISCRIMINATING AGAINST ME. THERE REASONING DOES NOT MAKE SENSE THEY ARE STATING THAT THE LOAN BALANCES ON MY CREDIT REPORT ARE TOO HIGH AND THE LENGTH OF TIME OF MY ACCOUNTS THAT ARE ESTABLISHED. THIS IS NOT RIGHT ESPECIALLY BECAUSE I EXTENDED CREDIT TO THIS COMPANY, THEY PULLED MY SSN NUMBER WHICH IS THE ORIGINAL CREDIT CARD. I WOULD LIKE THIS COMPANY TO RECONSIDER MY APPLICATION AND OPEN MY LINE OF 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 2022-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My car was repossessed after XXXX  days of late payment because of job losses. On XX/XX/2022, which is the same day it was picked up so I called Well Fargo and paid the balance and the other charges that apply on the XXXX XXXX XX/XX/2022 now they say I have to make an appointment to get the car from the storage. They told me had to go online to make the appointment, I did that too. They tell me at XXXX am on the XXXX XXXX XXXXXXXX that I can come at it. now they change the time saying from XXXX am to XXXX now they tell them they have to process the car. so I'm asking them to pay me for the time they hold it. It does not take two or three days to get a car out of storage. I would like to file a sue. I paid XXXX dollars and still don't have my car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Eviction Report of Inaccurate Personal Info, 1 case of address never lived at residence, the other two cases were filed and dismissed with comments from attorney representing the cases. Evictions filed with notes should be reported. Also, paid for rental history to be updated and frozen until this matter is resolved. Trans union has not complied with credit freeze for public records or accounts after initially making a payment to do so. Inaccurate credit reporting of accounts, public records and personal addresses are illegal. I am prepared to file a lawsuit for violation of my consumer rights if not addressed. These records for rental history had already been sealed by the jurisdiction they were filed in.

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 2022-07-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My credit score was XXXX and now it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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 information incorrect

Complaint:
I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XX/XX/XXXX. There are inquires being reported on my consumer report by TransUnion. There is an inquiry from XXXX XXXX on XXXX, XXXX, XXXX and there is another inquiry from XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made TransUnion aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my W-2 for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.

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