BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I received a letter and XXXX   credit card from Capital One, A CARD THAT I DID NOT REQUEST. It should be noted that the credit card had an absurdly high APR of 24.24 % and a {$95.00} annual fee. I immediately called and attempted to cancel the credit card, but the customer representative demanded a lot of personal information to cancel the card, such as date of birth, Social Security Number, home address and phone number. I refused to provide this information for a card that I did not request and the customer representative refused to cancel the card. I was then transferred to a Fraud Prevention specialist who refused to tell me why the card was sent to me or how or why the card was ordered. After a heated discussion I was told I had " no choice '' but to provide my personal information, which I did, since I had no other choice. I vehemently object to providing my personal information to a company, just to get them to cancel a credit card that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX collection charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX collection charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation. 
FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.

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 2023-01-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After making 3 trial payments of {$2300.00} on a mortgage modification to XXXX XXXX XXXX ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX and after signing and submitting notarized paperwork, an additional non-trial payment of {$2400.00} made in XXXX XXXX, the loan service was transfered to from XXXX to Nationstar Mortgage ( dba Mr. Cooper ) in XXXX XXXX 

Mr. Cooper didn't honor the modification and we weren't allowed to make additional payments on the loan. 

In early XX/XX/XXXX, when we first contacted Mr.Cooper about this loan transfer delay, statements made to us, ( and documented ), by agents of Mr. Cooper, that were false and misleading, reassuring us no payment or penalties would be required or incurred due to the delay in the loan service transfer. 

Still unable to make payments, in mid XX/XX/XXXX we engaged with an attorney from XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) who after review, drafted Reg. X requests and notice of error letters, which were submitted via certified mail to Mr. Cooper and XXXX on XXXX 
Mr. Cooper and XXXX did not respond or comply with the request for documents related to our mortgage history and loan servicing. 

The XXXX attorney negotiated with attorneys for Mr. Cooper for 6+ months with no resolution other than an offer for us to pay all back payments ( XX/XX/XXXX thru XXXX XXXX ) in one lump sum ( over {$29000.00} ), in order to resume monthly payments. 

We are submitting this complaint becuase we believe Mr. Cooper and/or XXXX acted fraudulently are in noncompliance, pursuant to 12 C.F.R. Sections 1024.35 and 1024.36 of Regulation X of the Mortgage Servicing Act under the Real Estate Settlement Procedures Act, by not responding to our request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2023 i sent Experian a request to verify a bankruptcy they have showing on my credit report with them when asked for verification information i have been completely ignored my attempts to resolve this and if not corrected i will look to seek litigation for the damages this item is causing to 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 2022-03-23
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX  as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
XXXX XXXX XXXX reported XXXX late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: PA
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 have no affiliation with these creditors and I did not make this inquiry.

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive Ask XXXX, XXXX and Equifax to delete all my old addresses and phone # and to update my information and they didnt 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 2017-05-04
Company: Bonneville Billing and Collections
State: FL
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:
This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Newrez LLC which I obtained as a VA homeloan in XX/XX/XXXX. Newrez bought my mortgage from the previous servicer, XXXX XXXX XXXX, and started servicing my mortgage in XX/XX/XXXX. On XXXX XX/XX/XXXX, Newrez sent me a form letter, which I did not receive until XXXX XXXX, claiming they did not have a condominium policy on file and threatening to apply one to my account at my own expense. On XXXX XXXX, my condo property managers faxed the certificate of liability insurance ( CoLI ) for my condo building to the fax number provided on the form letter, which was for Newrezs Insurance Dept - PROCTOR LOAN PROTECTOR ; XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ; Proctorlp.com. My condo property manager also provided me a copy of the XXXX, which I submitted myself to the online portal also listed in the form letter. I followed up with the Insurance Dept at Newrez the day after submitting the documents and told I needed to wait at least two additional business days before they were processed. On XXXX XXXX, I sent a message to Newrez using their websites contact us feature requesting confirmation that the XXXX had been processed. The only response I received was a generic letter saying additional information was being gathered about my inquiry. I called the Insurance Dept at Newrez on XXXX XXXX requesting confirmation that the XXXX had been processed. A proctor loan protector agent, XXXX XXXX, claimed that the XXXX had never been received. He provided an email address for me to submit the XXXX to, XXXX, and informed me a confirmation email would follow submittal. I submitted the CoLI to that email and I sent three follow up emails requesting confirmation to XXXX later that day on the XXXX, on the XXXX, and the XXXX, and received no responses. On XXXX XXXX, Newrez sent me another form letter threatening to add an insurance plan at my expense to my account. I received that letter on XXXX XXXX. On XXXX XXXX, I called Newrez Insurance Dept again and was told they never received the CoLI, this time by XXXX XXXX. XXXX provided the same email contact information as before, XXXX, and I submitted the XXXX again via email. XXXX told me I would receive a follow-up confirmation email within XXXX hours that the XXXX had been placed on my account. I never received that confirmation email despite sending reply requests for it to XXXX on XXXX XXXX. On XXXX XXXX I called the Newrez Insurance Dept again and was told the XXXX had been processed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: HSBC NORTH AMERICA HOLDINGS 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: Account status incorrect

Complaint:
HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AMERICAN CREDIT ACCEPTANCE HAS REPORTED THE WRONG PAYMENT INFORMATION CONCERNING MY ACCOUNT. I VOLUNTARILY ASK THEM TO PICK UP THE CAR AFTER I COULDN'T KEEP UP WITH THE PAYMENTS DURING COVID 19 2020. ONCE EVERYTHING WAS SHUT DOWN MY HOURS WAS WAS CUT IN HALF AT XXXX. I WAS ONLY ON PART-TIME HOURS TO BEGIN WITH. I PUT XXXX DOWN ON A CAR THAT WAS ONLY XXXX PLUS TAX. I MADE A TOTAL OF XXXX XXXX A MONTH AND SOMETIMES I HAD TO PAY EXTRA FOR THE LATE FEES. AMERICAN CREDIT ACCEPTANCE FINANCED XXXX PLUS ALL THE FEES, TAX AND GAP INSURANCE WAS INCLUDED. THE TERMS WAS FOR 6 YEARS @ 24 % INTEREST. I ONLY HAD THE CAR FROM XX/XX/XXXX UNTIL XX/XX/XXXX. ACA HAS REPORTED TO THE CREDIT BUREAS THAT I OWE XXXX. I PAID A TOTAL OF XXXX WITHOUT ALL THE LATE FEES BEING ADDED. ONCE THEY PICKED THE CAR UP FROM THE AUTO SHOP THEY EVEN TRIED TO CLAIM IT WAS DAMAGED TO MY INSURANCE COMPANY [ XXXX ]. BUT I TOOK PICTURES OF THE CAR THE DAY I RELEASED TO THE AUTO REPAIR SHOP.TO PROVE OTHERWISE. AMERICAN CREDIT ACCEPTANCE IS A TOTAL FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax Credit Bureau last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received a fraudulent text and phone call from a spoofed phone number posing as Chase Bank. The person over the phone gained access to my account and also instructed me to wire money into an account which was labeled as a new account for myself. Thinking this was really Chase, I followed through - wiring over 12,000 dollars. Hours later my account was locked so I called Chase for myself to find out this was a scam. That same night, I reported the fraud. We are now at XX/XX/23 and there is no resolution. I have repeated the information to Chase several times now with no end in sight. Supposedly, a wire recall as been initiated but they have not given me an update. I just need my money back because I emptied my account that day. I have reported this to my local police department and the FBI as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My checking account with XXXX  XXXX XXXX had cashed a forged check. The same day I tried paying my bill for Barclays, which did not go through. Since the payment was returned, I was charged a fee. However, this was due to my accounts fradulent activity that I had a negative balance and the payment was returned. Barclays will not return the fee.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have never had a credit card with Bank of America, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on my credit 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 2023-05-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They never sent me the email with my bill for XX/XX/XXXX. Never sent a reminder or a " your late '' notice. Added a late charge and interest on the XX/XX/XXXX bill. I " chatted '' with them and they agreed to remove the late fee but not the interest. I refuse to pay interest because I did nothing wrong. Late fees and interest are adding up. They caused my credit score to go from XXXX to XXXX. I want them to stop charging me interest and late fees and I want my credit score put back to where it was. I've checked and there are/were no emails from them in the month of XXXX. The are committing fraud. I have contacted them in writing to no avail.

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