BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a new Capital One 360 Checking Account - the account was offering a bonus if you made two direct deposits of {$250.00} or more. I made two direct deposits from the exact same brokerage account - yet Capital One told me one of the deposits was ineligible. I called up to ask for an explanation and they were unable to provide one except that their app may have caused the problem. Capital One sent me an offer - I signed up - then they didn't fulfill their terms. This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received two letters from my mortgage company, Rocket Mortgage. The first letter ( attached ), " Lender Placed Activity Canceled Letter '' informed me that I had provided adequate proof of flood insurance for my garage. The second letter ( attached ), " Lender Placed Flood Gap First Letter '' informed me that my flood insurance on my garage was deficient by {$150000.00}. I currently have {$100000.00} of flood insurance on the garage and it has an assessed value of {$58000.00} per public record. In addition, my remaining principal for this property is {$77000.00}. When I contacted Rocket Mortgage - I had a 34 minute phone call - most of which was on hold. Ultimately, I was informed that a " specialist '' would be contacting me within the next 24 hours to resolve this issue. 

My insurance is no longer in escrow due to the incompetence of my previous mortage company ( see previous CFPB complaint ). In that instance, the mortgage broker was within 24 hours of letting my flood insurance laps. Now that my mortgage has been sold to Rocket, I have been subject to predatory practices with Rocket attempting to define my insurance as inadequate so they can sell me their own policy and make a profit at my expense. On a previous occassion, Rocket attempted to " upsell '' sell me more expensive homeowner 's insurance that I did not need. In this most recent instance as outlined above, that pattern continues. I have insurance that is more than adequate, yet Rocket continues to attempt to force me into purchasing their own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As you may be aware, the transfer of accounts from XXXX to Citizens Bank, XXXX XXXX, has been a chaotic nightmare. I was able to resolve most of my checking account problems by filing a complaint with the Off. of the Compt. of the Currency, which led to my dealing personally with someone in the Citizens Bank CEO 's Office.

1. The tens of thousands of other customers have not had this personal service and spent fruitless hours on the phone. They probably still are. Many institutions have been flooded with inquiries because of the need to file new routing and account numbers.

2. The hundreds of checks my wife and I purchased shortly before the merger was announced last year are now useless and we have told to destroy them. Citizens provided 25 " starter checks '' to replace them, hardly enough to last a few months, so we must buy new ones at our expense. 
3. Certain institutions ( e.g, my pension provider ) required that I file a new direct deposit form and have it notarized, at my expense. 
I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: GA
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 my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX  XXXX XXXX Balance : {$810.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/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 non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXXXXXX 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: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MO
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:
I am writing to dispute accounts that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2017-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
sent po report id theft cra violation inaccurate information

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 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
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:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2018-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MO
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-28
Company: EQUIFAX, INC.
State: VA
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:
I have sent numerous letters to Equifax asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from Equifax. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to XXXX and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. XXXX sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, a deposit that had been made into my account had cleared. On XX/XX/2023, Bank of America allowed a cleared deposit to reverse without any authorization from me. When I contacted the bank on XX/XX/2023, the customer service representative could not explain why the bank allowed a reversal of a cleared deposit.

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 2021-06-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refinancing my home mortgage with XXXX XXXX. They told me not to tell my current mortgage company that I was refinancing. I was approved for a refinance and was told it would take 21 days or less to close with XXXX. I decided to tell my current mortgage company, NewRez, to see if they had a better offer. Low and behold they told me they could match the rate and it would be less on closing costs by about {$1000.00}. I was told by NewRez that the loan would close within 21 to 28 days. So I stopped the loan process with XXXX and began the process with my current mortgage company, NewRez. I started the process with NewRez on XX/XX/2021. My rate was 3.99 %. The refinance rate was going to be 1.99 %. I was told the process would take 21 to 28 days. 

NewRez asked for all my documents such as tax returns, proof of income, homeowners insurance and three months of bank records. I submitted everything on XX/XX/XXXX. As the 28th day passed, I kept sending emails asking what was going on. I was told repeatedly that they were busy. When the 80th day approached, and it still hadn't closed, I asked if they were trying to keep me at the 3.99 % as long as possible. I said I now had lost several XXXX dollars since I was still paying on my current 30 year loan at 3.99 %. All my documentation was submitted back in XXXX, and there weren't any items needed on my part. I have a 800+ credit score, no other debt besides my house, and a 20 % income to debt ratio. There is no reason this loan should take so long, other than NewRez is still collecting 3.99 % rate from me, and therefore not motivated to refinance my loan. I really think they delayed the process so they can have the higher rate. I emailed them numerous times, and they just said they were busy. I am sure they have closed on several loans since XX/XX/XXXX. I believe this is an unfair consumer practice. I called the Federal Reserve, and was told this is typical of lenders, and they can't do anything about it. I called the State Attorney 's Office, and was told that it is unfair but common, but they can't do anything about it. This practice should not be allowed to continue! I can't even believe that lenders are able to do it and no one can stop them. Very frustrated! They finally closed about 60 days later than what I was told. Something needs to be done to prevent mortgage lenders doing this! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
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 have attached an FTC report with inquiries I did not authorize please delete them

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 2023-11-10
Company: EQUIFAX, INC.
State: DE
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

Experian has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX   should not be on my credit reports. XXXX/XXXX   additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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:
Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed unde

r 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared. My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or ve
rbal consent previously extended to entities like XXXX, Experian, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory. 

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving 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 explanation
Consumer complaint received 2023-11-28
Company: Goal Structured Solutions, LLC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX, I contacted XXXX XXXX XXXX for payment postponement. They said only 12 months are allowed. I have used the max in XXXX. They said I have to contact a Goal Structured Solutions , Inc. Why the run around??? I would like to deal with 1 company ( XXXX ) not another 3rd party!!! Wish there were more user friendly options for postponement for private loans compared to federal loans. It's a shame you can not have student loans discharged on a XXXX XXXX  bankruptcy which I filed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation